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

Credit Reporting Bureau Experian is reporting an unauthorized account on my report that has been proven by the collection company that they do not service the account after it was disputed.
Product: Debt collection

On XX/XX/XXXX I purchased " No Contract '' wireless service from XXXX. My account number was XXXX. I agreed to pay $ XXXX/mo for the " same great network without the hassle of a contract '' for an undetermined time. I stopped using XXXX 's service XX/XX/XXXX. In XX/XX/XXXX XXXX informed me that I owed them {$140.00} for " holding my number '' three months. I explained to them that I was not in a contract with them and I had made no request for them to " hold '' my number. 

At some point XXXX sold the erroneous debt to Enhanced Recovery of XXXX, FL. XXXX. 

On XX/XX/XXXX I began the process of purchasing a home. XXXX XXXX XXXX XXXX, TN preapproved me for mortgage loan. At that time my credit score was well above the required 620. I was set to close on my home XX/XX/XXXX. I had paid {$1000.00}. earnest money, {$350.00}. for a home inspection, and {$400.00}. for an appraisal. When XXXX XXXX ran my final credit check on XX/XX/XXXX it was discovered that Enhanced Recovery had reported the {$140.00}. collection on XX/XX/XXXX and dropped my score XXXX points. Their timing was impeccable and absolutely intentional, as they were fully aware that I in was nearly the end of home buying process. I paid their {$140.00}. in an attempt to recover my score and save my investment. It didn't work, I lost the home. All the bankers and realtors I've worked with informed me that this is common practice of debt collectors. That they are somehow alerted, so they know precisely when to go in for the kill.
Product: Credit reporting or other personal consumer reports

I asked this company for the original contract with my signature on it to validate this debt, and they havent yet
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 @ XXXX XXXX I called Experian to see why they didn't delete XXXX and XXXX . I spoke with XXXX @ Experian and I was explaining to him that I don't see why they did not dispute XXXX and XXXX because I do not know anything about these accounts. XXXX was helping me to dispute these accounts because XXXX did not have any problems when I sent them affidavit they deleted it right off my report. Now, XXXX @ Experian transfer me to another person to get this resolve well I stayed on hold for about 30 mins before someone pick up. When I started to explain to him then he hurry up and transfer me and did not hear me out and I stayed on hold from XXXX until XXXX and I think they were closed that time. This was very unprofessional. I know these is not my account I did not open these accounts and I also sent the same affidavit to Experian that I sent XXXX and XXXX. In my letter I ask yall to send me proof and a copy of bearing my signature and it wasn't done. What you sent me was a copy of my report stated that these account was verified. I just want these accounts off my report because they do not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX {$1900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX as proof from the US Federal Trade Commission that all 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

XXXX and Transunion are incorrectly reporting a charge-off account XXXX XXXX partial account number XXXX. ( Please see pages 15 and 16 of the attached credit report. ) This account is well over ( 7 ) years old and reporting this is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine FCRA violations XXXX XXXX {$0.00} Closed 24 potentially negative months Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$0.00} {$14000.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$14000.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO CO CO CO CO CO - - - XXXX XXXX CO CO CO CO CO CO CO CO CO CO CO XXXX - - - - - - - XXXX XXXX XXXX On Time CO Charge off 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 79 Months Company sold Invalid date Original creditor - Comments Transferred to another lender Purchased by another lender Your statements - Contact XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX You're looking at an old report. 
If something doesn't look right here, check your most recent credit report to see if it's up to date. 
Hide not mine : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Product: Debt collection

I was told at my appointment XX/XX/2021 that this amount had been either paid by insurance or written off and I have a statement from the provider that shows a XXXX  balance. Now, a year later, this " TekCollect '' company out of nowhere says that I owe this amount. There is much more detail in the attached statement of what has occurred. TekCollect flagged my credit report with unpaid debt FOUR DAYS after the first telephone call to me and they have not returned my phone call to get this resolved. My credit score has gone down XXXX points due to this.
Product: Credit reporting or other personal consumer reports

I am formally requesting the removal of the following accounts from my credit report, citing multiple violations of the FCRA. The majority of these accounts have been present on my credit report for a duration exceeding 7 years. In addition to their prolonged presence, numerous errors are evident, including duplicate accounts, inaccurate balances, inconsistent opening dates, and incorrect last active dates. It's important to note that each violation incurs a penalty of {$1000.00} under the FCRA. Lastly, you have several accounts reporting when this loan was consolidated. I would like to make it clear that if these accounts are not removed in compliance with the FCRA, I will pursue compensation for the multiple violations identified. EDFINANCIAL SERVICES L XXXX. Remove the following paid accounts from my credit report due to incorrect reporting EDFINANCIAL SERVICES L XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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  and sold to XXXX XXXX XXXX on XXXX under the account number ( private ), XXXX XXXX XXXX opened XXXX that appears related to the aforementioned. These accounts 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

in accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX, cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also inquiry on my credit summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Student loan

I went online today X/XX/17 to review my loans and saw that my loans were in forbearance. My new income driven repayment was going to be going through, however no message was in my online inbox on the myfedloan.org website ( the letter came in after my forbearance had been applied ). I called and found out that despite my autopay and on-time payments my account had been put in to delinquency  forbearance and my interest had been capitalized. The agent did not understand how this happened, which is concerning, and reversed it. However, I am still yet to get any documentation about this interaction. I was not informed that the forbearance would be delinquency. It seems predatory to put me in delinquency while they arrange the administrative logistics of the IDR. I fear that had I not randomly checked the website my credit would be damaged and my interest would be capitalized.
Product: Mortgage

I filed a XXXX XXXX bankruptcy around XXXX. My home was financed through Wells Fargo Home Mortgage. I lived in the manufactured home from XXXX through XXXX. I wanted to re-affirm my loan to continue payments, but Wells Fargo refused to let me do that. I moved out of the home in XXXX because of black mold that had come through the crawl space of my bedroom closet. I had several clothes and shoes that were ruined with mold and a terrible stench. The home that was sold to me in XXXX was a modular home. I would like to be compensated {$24000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the 3 Credit Bureaus. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Credit reporting

Have an open auto loan with my credit attached to it but none of my information. Do not have an open auto in 2011.
Product: Checking or savings account

My bank NYCB have upgraded there portal and I reached out to them asking for help with resetting my account access I spoke to person by name XXXX at XXXX location she was very unhelpful. After work I try to call 1800 number for last few days and I got disconnected, please help me resolve this issue, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX and explained that someone created an inquiry on XXXX XX/XX/2021 on my Transunion credit report. i talked to a lady and we agree it was fraudulent and would contact TransUnion to be removed this was back in XXXX and the inquiry is still on my credit causing me hardship from being able to buy a house or start a business. i sent many responses and still haven't received anything Transunion refuse to help as well
Product: Debt collection

I have previously communicated with this company about these unverified debts that do not belong to me, and they have shown no proof that the alleged debts belong to me. They illegally put this collection on my account without proper notice ; nor did this company attempt to resolve this correctly. I am getting ready to file for ligation, if this happens one more time. If anything comes on my credit report, I will sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX & TransUnion, This is a formal notice that you both, XXXX And Transunion, have failed to respond in a timely manner to my dispute letter that was received by you both no later than XX/XX/XXXX deposited by certified mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond.

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and pursuing a federal lawsuit should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified, accompanied with the method of verification and, following failure to verify, DELETED from the report as soon as possible : 1. ) Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

2. ) Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

3. ) Account : XXXX XXXX XXXX XXXX XXXXXXXX Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

4. ) Account : XXXX XXXX XXXX XXXXXXXX XXXX Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

5. ) XXXX XXXX XXXXXXXX Instructions : THIS ITEM IS INACURATE AND UNVERIFIABLE. PLEASE DELETE! 

The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days.

FAILURE TO DO SO WILL RESULT IN LITIGATION FOR FULL DAMAGES! 

Thank You!
Product: Payday loan, title loan, or personal loan

I was declined a loan after I already have a loan with them. When I called to discuss why I was declined and to understand how they arrived at the XXXX I was put on hold. Then I was told they arent allowed to transfer me to talk to someone who could explain how they arrived at my XXXX. I believe they may have made a mistake and wanted to ensure they are calculating correctly. I feel it is not fair under and maybe against Regulation B for not explaining and giving me the chance to ensure they have my specific debts and income correctly. I currently have a loan with them and feel they could at least walk me through and explain. At least show me it was fair treatment and not based on discrimination. Instead I was provided with vague answers making it seem like who knows what the decision was really based on.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my TRANSUNION credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuracy.
Product: Checking or savings account

I am on XXXX and I think I originally had a little over XXXX dollars in overdraft. They continue to charge me overdraft fees to the point now my XXXX check they are taking like half off it and leaving me with no money to live cause they continue to take daily overdraft fees these has gone on for almost a year and I'm not surviving financially
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

Credit karma told me I had high approval ratings on certain credit cards. Went to fill out the application and was denied. It happened 2 or 3 different times at different points in my credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Services XXXX XXXX XXXX XXXX MA XXXX has a collection on my credit report for {$2900.00} for XXXX XXXX XXXX. This account is not mine. In fact, I can't think of a cable company allowing a consumer to rack up almost {$3000.00} in overdue payments without shutting off services. I am a military spouse as well and currently have XXXX XXXX cable. According to my credit report, account was opened in XXXX 2020.
Product: Debt collection

Department Of EducationXXXX Nelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Nebraska XXXX XXXX To : The Office of Registered Agent forNelnet XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority torepresentthat you andNelnet XXXX XXXX XXXX LLCareauthorized to administrate ( acting trustee ) on theXXXX XXXX XXXX XXXX together with a certified copies of signatures contract betweenyou andXXXX XXXX XXXX XXXX you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passingXXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon theXXXX XXXX XXXX, Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806.Harassment and abuse 807.False or misleading representations 808.Unfair practices 809.Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX  You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages.Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX