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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform youthat there is no third party involved in the process. I sent letters to Experian Credit Bureauthe date of the last letter was on XX/XX/2021. And now we are in the month of XXXX and still nothing from them. That means Experian has NOT complied with theFairCredit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank - Lane Bryant falsely reported that I was 60 days late with an account payment in XX/XX/XXXX. The account was paid off in XX/XX/XXXX. I have submitted 3 claims with XXXX at which point they said to contact creditor which is Commenity Bank. I have contacted Comenity Bank numerous times to 1 ) make sure they report a XXXX balance as of XX/XX/XXXX and 2 ) remove the derogatory payment status. Ive contacted them several times in XXXX XXXX XXXX XXXX XXXX and they keep giving me the run around in regards to the proper and effective procedures on how to contact them to initiate the process for them to remove the derogatory status. First they say they can take the request via phone, 1 month later they story changes to I need to file via their secure message center, now its I need to submit a letter in writing to request that they remove the late payment status. I have been following up with this creditor since XXXX of XXXX to ensure my account is order. Ive been a customer since XXXX but they are not being supportive in the process of removing the delinquent payment. Please help my credit score dropped XXXX points bc of this.
Product: Debt collection

Someone with access to my social security card number opened an account in my name. The person ( exwife daughter ) was making payments so I never saw account using a different address. The debt collector has not provided a signature, contract, or last activity on account. Would like my signature, original contract, and last activity or payment on account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they said they did, they stated everything was accurate. 
I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. 

1. Account name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the fair credit reporting act XXXX 1. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXX And Associates Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX has violated my rights 15 U.S.C 1681 section 602A. states I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

Deposit of XXXX made on XX/XX/XXXX, 3 separate deposits of XXXX made on XX/XX/XXXX. Wanted to withdraw the money as no longer wanted to use it to invest. Attempted to withdraw, was told to send a bank transfer of a few euros and then this would link my account. This was done on XX/XX/XXXX but no account was ever linked. Ca n't contact them any way, only their XXXX Bot on the website.
Product: Student loan

MOHELA is unable to correctly put our loans back into repayment status, despite our best efforts to enter repayment. This is impacting our ability to close on our home. MOHELA put our loans into forbearance status without my permission or knowledge, because of this our lender must use 1 % of our student loan balance instead of our monthly IDR payment. -In XX/XX/2023, we requested that our accounts were placed back into repayment status removing the COVID-19 administrative forbearance. This was accomplished and our loans were in repayment status since XXXX. We have been paying the monthly payment since then. -On XX/XX/2023, without any notice and without being requested by us, our monthly loan amount was incorrectly recalculated by MOHELA with a 300 % increase in the monthly payment ( this was an error by MOHELA ). -On XX/XX/2023, we resubmitted an IDR payment to fix the XX/XX/2023 payment issue. This was processed by MOHELA on or around XX/XX/2023. -On XX/XX/2023, we received communication that our loans were placed back into administrative forbearance until XX/XX/2023. This was done without notice and without being requested by us. -On XX/XX/2023, we requested that our accounts be immediately restored to repayment status removing the improperly placed administrative forbearance. We have spent countless hours on hold trying to resolve this issue and this will stop us from closing on our forever home. MOHELA 's handling of our accounts has been deplorable to say the least. Further, MOHELA is reporting incorrect information to our credit bureaus by refusing to update our payment amount from {$0.00} ( which is not correct ) to our current IDR payment amount.
Product: Credit card

" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of anxiety. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an installment loan with Tower loans the original term was 15 months I paid the account in full on or around the XXXX XXXX XXXX 2017 and was told the account was paid in full and closed. On reviewing my credit reports through XXXX the XX/XX/XXXX the account was still reporting as open. I filed a dispute with XXXX and XXXX XXXX through XXXX XXXX who said that they investigated it and there was no change. I submitted a second time and on XX/XX/XXXX Tower Loans updated and said I have a balance of {$1400.00}. I called a local branch of Tower Loans spoke to the manager who told me that their corporate office submits the credit information and it may take them 90 days to do it. I asked for the number for the corporate office and he hung up on me.
Product: Checking or savings account

XXXX XXXX died XX/XX/XXXX18. XXXX XXXX XXXX am daughter, accounts go to me, send trust to Wells Fargo said no, have will ( see inclosed said no ) what do they want to release funds!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am receiving medical bills for a extensive XXXX  XXXX in 2020 that I did not have. I did not have any XXXX XXXX in 2020. As for XXXX XXXX XXXX. Refinance at the lowest available rate. Ive never been able to get that. XXXX home Equity loan valid For 5 years at the lowest available fixed rate. Allow other XXXX people to get home equity loans at the lowest fixed rate.
Product: Debt collection

I never received any communication from Midwest Recovery System, and they put a collection on my credit report. They told me that they received the collection on XX/XX/2020, and it was placed on my credit report XX/XX/2020. That is 9 DAYS LATER. Again, I DID NOT receive notification from them AT ALL, and you are supposed to have AT LEAST 30 days to get in touch with the client, verify, etc. Once I saw that this was reported to my credit report, I called the company, and they told me that they don't reach out to clients, and that they could not send me notification until I contacted them. How am I supposed to contact them if I never knew I had a collection until it hit my credit? They were supposed to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to add an authorized user to my XXXX XXXX credit card. A representative from XXXX XXXX informed me that the user could not be added since Experian could not confirm my phone number. However, XXXX XXXX is well aware of my phone number as I have been a customer of 18+ years with the same number. I may have been a customer before the representative was even born ... I was informed to contact Experian to request my phone number to be updated. XXXX XXXX claimed that my credit would need to be inquired a second time to check for a phone number. Why would multiple credit inquiries be required to check for phone numbers? That is illegal. Credit inquiries are required to check for financial history. I called Experian twice on XX/XX/XXXX, waited on hold for more than 30 minutes during each call. The Experian representative would say " hello, how can I help you? Hold on '', then hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX, MO XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I have set up an autopayment of XXXX dollars a month for Synchrony Bank to pay down my care credit card. The reason is because the APR is insane around 29 %. However, even though I've brought up the complaint three separate times, they have not fixed it and instead keep having me pay the minimum amount to cover the credit card of around XXXX dollars and have for months. This is a huge issue as I am getting charged for interest constantly, and I should have way more of the card paid down. They simply do not care enough to fix it, and it is a bit ludicrous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written two letter to XXXX and Transunion about my public record ( Bankruptcy ). 
I written letter for the month of XXXX and XXXX. In those letters I also included UCC laws and paper work from the courts stating the do not report to agencies. Both of them said in their investigation that they talk to the company and the information was accurate.That is a false statement. They could not talk to no one from the court system, because they do not have a furnishier to report to credit bureau. The do not report to credit bureau or any other agency. I call numerous occasion to please give me the accurate information or mail it to me. I have not receive to this date of XXXX XXXX XXXX. Other times they have hung the phone up on me. For all of these reason I wish to file a complaint, have the public record remove from both of my reports immediately.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the ongoing issue regarding the fraud items. Despite our previous communications and numerous attempts to rectify this matter, it is disappointing to note that the problem persists. As this is now our multiple round of dispute regarding this issue, it is imperative that immediate action is taken to address and delete the items. The continued presence of fraud items not only hampers our operations but also reflects poorly on the efficiency and reliability of your services. 
Despite our understanding and patience, there has been no visible improvement in the situation. We urge you to prioritize this matter and implement measures to ensure that these items in a timely manner moving forward. With this, I am asking for your assistance to remove these items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$700.00} XXXX  XXXX XXXX Balance XXXX {$290.00} XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX Balance : {$920.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

This company is using illegal collection practices. They claim I owe more than I do and attempted to repossess my vehicle after 22 days without a payment. They threaten to repossess if I do not pay whatever unreasonable amount they determine I owe. They refuse to provide me with detailed activity of my account and payoff amount. They claim that I will be sued or my property will be seized and even sent a man to my home with a large paper that resembled a legal document. They have added unauthorized interest, fees, and charges not listed in my contract. They call me repeatedly, almost daily, and cause undue stress on my family and I. They make it extremely difficult for me to pay on my account without paying additional fees or calling into the finance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

*USING EOSCAR IS NOT A COMPLETE AND ACCURATE FORM OF VERIFICATION. DO NOT USE!!! 

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

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$290.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00}, XXXX ( Date Opened XX/XX/XXXX, Balance : {$560.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$490.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This report is related to a recent complaint filed on XX/XX/year>. That complaint was case # XXXX against a company with many names, XXXX  with / added information as seen in report mentioned above. I tried calling this company today from XXXX of the 6 times they ran my soft inquiry of my credit report. That address was XXXX located XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX with zip code of XXXX. The phone number was XXXX. I called that number today XXXX XXXX XXXX  XXXX and spoke with a female representative named XXXX XXXX answered the phone as Hello, welcome to Money Tree. I ask the woman about my concerns of them coming up on my credit report, 6 times in XXXX day, on XX/XX/year> but at different locations ( see attached copy of my soft inquiry credit report ). She had not answers so an ask to speak with a supervisor or legal department. I was put on hold for about XXXX minutes then told by XXXX that a supervisor was not available but if I think my identity was stolen I could file a complaint with the FTC. I informed this person, I just wanted to know who they are and why was my credit information was ran by them and other affiliated companies with XXXX  on XX/XX/year> without my permission, without any reasonable explanation and Ive never applied for credit or loans from if they are a loan company. I was told again by XXXX that I could leave my phone number and a supervisor would respond later. I informed XXXX Ive already filed a complaint with the department of consumer affairs and the FTC which is case # XXXX. After hanging up, I called the department of consumer affairs and spoke with a representative about this recent complaint # XXXX. I informed the representative of the updated information as to the phone call I just had and he added this information to the original complaint just mentioned. 

I wanted to add another additional address for this company for your investigation of this company I believe is fraud. That address is XXXX XXXX XXXX, XXXX, Delaware XXXX. Phone # XXXX This information in a surch comes up as We Are Scammers An additional address I found to this entity is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE, XXXX. Ive attached relevant information to this entity and additional information to this original complaint mentioned above and with this additional report.
Product: Credit reporting or other personal consumer reports

Despite my diligent efforts to provide valid documentation supporting my position, it seems that my message is not being properly received. Let me be clear : I am the one initiating these disputes under my name. The items in question are unfamiliar to me, and I am perplexed as to why it is being labeled as fraudulent or high-risk. The documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. I am aware that according to FCRA Section 619, obtaining information under false pretenses is a serious offense with severe penalties. However, I have never shared my documentation with anyone else, and I fail to comprehend why it is being suggested that this constitutes high-risk due to potential fraud. The following accounts need to be removed from my credit report ASAP : XXXX XXXX, XXXX XXXX, 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

XXXX, XXXX, AND EQUIFAX FAILED TO INVESTIGATE MY DISPUTE ON THE MULTIPLE inaccuracies on my credit report. They have failed to do their job when it comes to challenging alleged negative items on my credit report. They failed to do there job, which is causing severe damage to my character and my life. Ive sent them multiples of letters and they failed to do their investigation. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. They violated my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against LendingClub and XXXX, I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity the