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

Over the last three months Ive sent letters to the three credit bureaus asking them to remove inaccurate reporting and inaccurate accounts. Ive asked them to provide me with original signed documents to prove verification ; which they refused to do so because accounts are absolutely false. I really need your help removing negative and inaccurate report to my credit reports that XXXX XXXX and Transunion are reporting. These negative items must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$37000.00} XXXX XXXX  XXXX XXXX XXXX : {$43000.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX Balance : {$610.00} ATTYGENERL XXXX Balance : {$43000.00} ATTYGENERL XXXX Balance : {$36000.00} XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX : {$38000.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$44000.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00}
Product: Money transfer, virtual currency, or money service

No way to get money back for incorrect transfers. There was no verification steps to ensure you were sending money to the correct person or entity
Product: Credit reporting or other personal consumer reports

I am writing to remove the inquiries listed below and to request verifiable proof bearing my signature or electronic authorization. I never authorized these actions, which constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ) 604. These inquiries were initiated without my consent or proof from the reporting companies, and thus, they are not factual. The FCRA mandates that credit bureaus remove such unauthorized inquiries. 
XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that do not appear to be mine and are inaccurately reporting on my credit report. I have attempted to dispute these accounts with the XXXX credit bureaus and they continue to report the accounts.
Product: Debt collection

I was notified by my bank that my credit score dropped significantly, and a new account appeared on my credit report on XX/XX/2022. I have no idea who this person or company is. I checked XXXX and collected two addresses. They never contacted me and reported to the credit bureau only that I owed them money, in the amount of {$730.00}. I tried to dispute the report with the credit bureaus, but they said it was accurate information. My lawyer sent two letters to the company who had two addresses. One letter was " undeliverable '', and the other letter was delivered with no response. The company is SECURITY CREDIT SERVICES, OTHER COLLECTION AGENCIES, at XXXX XXXX XXXX, XXXX, XXXX XXXX - never called me, or sent me any mail. They also have another address for XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and contact phone XXXX. They reported doing business with XXXX XXXX XXXX. I requested documentation IF I owed them money, and I was never contacted, and never provided with any proof at all. My credit score has decreased, and the credit bureaus are stating that the information is accurate.
Product: Debt collection

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I consolidated my loans in XXXX. In XXXX Navient told me that if I want a new loan servicer I had to consolidate again. The consolidated my loan and assigned me back to Navient. I paid {$42000.00}. I called Navient and said to cancel the consolidation because my servicer was not changed. They refused and all of the money I paid was stolen by Navient except for {$1000.00} that was credited toward principle. 

I have applied for PSLF and XXXX only has payment history from XXXX. Navient must provide them with my full payment history in order for me to have my loans forgiven. 

Navient is a criminal corporation and is exiting the student loan servicing business after pillaging students for decades.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an credit card account with XXXX XXXX ( part of XXXXXXXX XXXX ) in XX/XX/XXXX. 
In XX/XX/XXXX, I was informed that this company is rebranding as XXXX and I'll be getting a new card to my mailing address. I never got one. 

In XX/XX/XXXX, my email address and phone number was hacked, and I lost access to my XXXX account. XXXX does not recognize me anymore ( as the imposter changed the mailing address and phone number ). XXXX customer service will not speak to me as they believe I'm the imposter. There were no other ways of reaching XXXX except a phone or their online portal ( none of which I had access to after my account was hacked ). 

The problem i'm facing now is poor payment history - XXXX reported 120 days of late payment to credit bureaus. How can someone make a payment when the institution is unable to authenticate the caller? I had no ways of making payment as I was victim of identity theft.
Product: Credit reporting or other personal consumer reports

I have put in NUMEROUS disputes with XXXX because they seem to mix mine and my TWIN brothers information. They have his personal information under mine, his social security number is under mine and his Capital One credit card account is also under my name. Ive had a recent issue with them before with a previous credit card and now I am going through this again after just getting the other account taken off after A YEAR. I am not happy that information is being mixed and my credit is being messed up because of it! Same goes for XXXX and XXXX!
Product: Credit reporting

I gave a 30 day notice by fax and calling the apartment comlpex XXXX on the XXXX. 
I have called them and called and there telling they have no record. This has become a very frustrating. I dont know what to do at this point ... sorry but i need help ....
Product: Payday loan, title loan, or personal loan

I got a {$2600.00} loan through Avio Credit in XXXX of XXXX. Since then, I have religiously paid the XXXX dollar fee. Since it is almost XXXX of XXXX it may surprise you to learn that I still owe $ 2400+ ( it certainly surprised me ). As of XXXX we moved to Missouri due to my father 's poor health and as such, my SSI benefits due to XXXX XXXX were cut almost in half making the act of making those efforts almost a Herculean task. I have looked for relief and everyone I have spoken to says that it sounds like predatory lending. Help, please.
Product: Credit reporting or other personal consumer reports

I am giving XXXX, XXXX and experian on second notice to remove non public information off my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If accounts are not removed I will report identity theft on bureaus to ftc and Internal Revenue Service XXXX and XXXX and experian Bureaus have not given me any notice of dispute of the following accounts above every time I have disputed accounts which I should be notified every single time in accordance to FCRA Law
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX  XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX Balance : {$27.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to request to you once again to look deeply into my complaint and have the disputed items removed as soon as possible. 
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. Here is the list of accounts that should be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$770.00}
Product: Credit card

I had opened a Chase credit cards in XXXX I called and requested a credit line increase which was granted and it was increased to {$4500.00}. In XXXX I noticed on my credit report that it stated my credit line had decreased to {$3000.00} and is now going over the credit limit. I was in no way by phone or mail notified that this is a temporary credit line increase. I have disputed this with the car company and have gotten no answers they state that they have no phone records that they can provide for me because if they did it would prove that I was not notified of this. I feel I have been illegally bound to terms that I did not agree with I would like all XXXX credit reporting agencies to respond to me in 15 days with proof that I was in fact correct that this was done illegally I would like this account closed in good standings with a XXXX balance because of what Chase has done to me if they can not provide proof of this I feel that is fair I did not want my credit reported negative in any way shape or form as this was not my fault as a consumer and it was illegal I have attached proof on my credit report stating the drop in the credit line and now because my credit is showing over the limit I can not receive any more credit from this company nor any others I have also lost {$500.00} because I was in the process of refinancing my home and had to pay for the appraisal and now it will not go through because of what they have done to me
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, my student loans were transferred from FedLoan Servicing to XXXX. It is now 6 months later and the XXXX account is still showing as open on my credit report, which is severely impacting my ability to obtain a mortgage because it doubles my debt to income ratio. I have disputed this with XXXX, without results.
Product: Credit reporting or other personal consumer reports

Company transunion failed to properly investigate the accuracy and validity of a few items in my credit report and did not notify me of results. Transunion sent a letter saying that did not open investigation because they didn't believe it was properly authorized by me. Listed inside the dispute letter I put all my identifying information to identify myself.
Product: Credit card or prepaid card

Case XXXX XXXX was closed without notice or credit of package for service not rendered I asked for copy of delivery receipt to sendee, never sent copy this to me as package misdelivered To add insult to injury, I lost merchandise sent I am seeking retribution in separate claim to XXXX XXXX XXXX I want credit {$85.00} form Capital thru XXXX post for sending fee {$85.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violations Not My Credit cards XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$16000.00} XXXX Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$110.00} written off. 
NOT MY ADDRESSES XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX type XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type XXXX complex XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family NOT MY XXXX NUMBERS ( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential NOT MY NAMES XXXX XXXX XXXX XXXX XXXX NOT MY INQURIES XXXX XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has inaccurate information on my credit report. XXXX  acct. # XXXX shows the Number of months ( terms ) as Monthly. Equifax also has this account listed inaccurately ; with the terms listed as XXXX ( due every XXXX weeks ). Please delete this inaccurate account. XXXX has XXXXXXXX acct. # XXXX showing payment status as charged-off ( profit and loss write-off ). A charge-off that has been written off is considered income and should not be on my credit report. I was never sent a 1099 for this account. Delete this account. XXXX has XXXX XXXX XXXX  XXXX account XXXX XXXX date of last activity as XX/XX/XXXX. Equifax has this same account 's date of last activity as XX/XX/XXXX ; this account is reporting inaccurately, delete this account. XXXX has XXXX XXXX  XXXX account # XXXX  showing date of last activity as XX/XX/XXXX and payment status as charged-off ( profit and loss write-off ). A charge-off that has been written off is considered income and should not be on my credit report. I was never sent a XXXX for this account. Delete this account. XXXX XXXX  account # XXXX shows a different date of last activity for XXXX - XX/XX/XXXX, for XXXX - XX/XX/XXXX, and for Equifax - XX/XX/XXXX. Delete this inaccurate account. XXXX, XXXX, and Equifax all show inaccurate payment history on XXXX XXXX XXXX account # XXXX, according to U.S. Code 1666b ( a ) ( a ) Time to make payments, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Please update this account to pays as agreed, never late. 
Delete the following credit inquires as there is no account attached to them, credit was not extended due to adverse action, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked Experian several times for validation of my bankruptcy since they keep sending me results saying its Accurate or Verified but to no avail they do nothing. Its my rights under the FCRA that they provide me with these original documents or contracts of the bankruptcy if i request them.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONSPICUOUS NOTICE As a Federally Protected Consumer, I demand to invoke my right to opt out in relation to disclosing my nonpublic personally identifiable financial information to nonaffiliated third parties. According to 12 CFR 1016.10, an opt out is given by direction of the consumer. I am requesting for GOLDMAN SACHS BANK to immediately stop sharing my personally identifiable financial information with all credit reporting agencies and all other third parties. The personally identifiable financial information includes : information a consumer provides to you on an application to obtain a loan, a credit card, a credit union membership, or other financial product or service, account balance information, payment history, overdraft history, and credit or debit card purchase information, any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account as defined under 12 CFR 1016.3 ( q ) ( 1 ) ( 2 ).
Product: Student loan

What happened? 
Dear Sir /Madam My name is XXXX XXXX XXXX XXXX based in  XXXX , XXXX Citizen, Father of XXXX XXXX ( XXXX ), who was a XXXX at XXXX University , XXXX , ( year XX/XX/XXXXto XX/XX/XXXX ). I am a XXXX XXXX ( now retired ) worked for XXXX .XXXX for forty years. Salle Mae gave XXXX a loan of {$210000.00} in the year XXXX and of which {$200000.00} has been already paid off without any break for the last 9 years. But Navient which took over from Salle Mae is still demanding XXXX more ( presumably interest- simple mathematics ) which is too much to pay after settling the capital almost. Secondly our guarantor Mr. XXXX XXXX, US citizen based in XXXX, should be released from his role as a co-signer, otherwise, his daughter will not get a student loan to go to university this XXXX and her future carrier will be in jeopardy. As per Salle Mae, if a client has made 12 payments uninterrupted, we could request the co-signer to be removed from the contract. We made multiples of 12 uninterrupted payments over the last 9 years. Since we took the loan in XXXX now the whole family financial situation has completely changed. Though XXXX qualified from XXXX in XXXX she could not find a suitable job in the USA to pay off her student loan. She was very disappointed and came back to the XXXX and could not get a job in the XXXX either. Last XXXX She got married in XXXX and settled there. She has found a suitable job in XXXX but the salary will not be enough to pay off the student loan and also consider the exchange rate.in XXXX Rupees As for me I am retired from my job as a XXXX in XXXX on XX/XX/XXXX and is a pensioner and I am still paying her loan with great difficulty. I feel now that since I retired my income has gone down considerably land I am solely depending on my pension only. Besides my wife is very ill with XXXX and on XXXX and I look after her 24/7 alone. I want the monthly payment amount reduced considerably.
Product: Credit reporting, credit repair services, or other personal consumer reports

USC 1681, SECTION 602, I have the right to privacy.

USC 1681, SECTION 604, SECTION 2, States a Consumer Reporting Agency can not furnish a report without my written consent.

USC 1666B, A creditor may not treat a payment on a credit card account under an open-end credit plan as late for any purpose. 

XXXX the lease is over car returned XX/XX/XXXX and they are reporting late. 
Mercedes Benz Financial XXXX XXXX XXXX, I paid the car off during covid and asked XXXX to remove such reportings and they said no. 
XXXX mortgage during Covid I had arrangements and all debt is paid and they continued to report. XX/XX/XXXX XXXX