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

XXXX XXXX XXXX  FRAUDULENTLY ACCOUNT THAT WAS OPEN IN MY NAME, I HAVE BEEN SPEAKING WITH XXXX XXXX  FOR THE PAST YEAR NOW ABOUT XXXX FRAUD ACCOUNT THAT WAS OPEN IN MY NAME, XXXX XXXX  HAS IDENTIFY THAT THE ACCOUNT WERE OPEN FRAUDULENTLY THEY HAVE TOLD ME SEVERAL TIME THAT THEY WILL BE REMOVING THE ACCOUNT FROM MY CREDIT REPORT AND THIS HAS NEVER HAPPEN, THIS IS EALLY IMPACTED MY CREDIT IN SOME MANY NEGATIVE WAYS, I HAVE REQUESTED DOCUMENTATION FROM XXXX XXXX  REGARDING THE FRAUD ACCOUNTS AND THEY NEVER RESPONDED. THESE ACCOUNT ARE FRAUD AND SHOULD BE REMOVE FROM MY CREDIT PROFILE IMMEDIATELY. I HAVE DONE MY PART BY REACHING OUT TO THEM TO FIX THIS PROBLEM MANY TIME AND NOTHING HAS BEEN DONE. THE ACCOUNT INFORMATION IS LISTED BELOW. I HAVE ALSO FILE A POLICE REPORT AND SEND TO THE FRAUD TEAM AND STILL NO RESPONDED. 


XXXX Also requested me to send in information of my identity to XXXX every time I tried to send in this information the website give me error messages I used chrome and XXXX and neither work, I have called several times and can never get any help on were to send the document they will not help me with anything. 

I was Ask to send in these document - bank statement for proof of address - State ID Driver XXXX XXXX Statement I have attach all document request.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because they are reported wrong. You should corroborate your information and remove the negative information on this account. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Fix the account : XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I was invited to apply for the personal loan with PNC. I had a good XXXX XXXX however, they denied me because my tax returns or filled out by hand and I typed in which I thought was ridiculous. I do my own tax returns. And then it showed up as a hard inquiry on my credit report, which is preventing me from getting approved an additional loans I would like this PNC hard inquiries removed my book report immediately.
Product: Student loan

My employer received a wage garnishment for 15 % of my disposable income, which i was told calculated to be {$880.00} per month. I can't afford this.I didn't receive notification so that i could contest it. I have been lead to believe all of my student loans were in deferment or forbearance. 
Once i was notified by my employer, i called the debtor to work out a REASONABLE repayment and they worked out a $ XXXX/month arrangement and i increased it to $ XXXX/month for 12 months and then increase. SO now they get the garnishment and the monthly payments. I can't afford this, it will LITERALLY break me. 
I requested documentation to verify everything ( the loan ( itemized ), the school attended associated with this loan, the terms of the loan and any notification. They said they will get what they can, but they would continue to garnish my wages. I haven't received anything. 

If i lose my home and transportation, i will lose my job. I can't afford to lose $ XXXX/month. 

Note : They stated they had no way of contacting me, but i have had the same cell phone number since XX/XX/XXXX and the same email address since XX/XX/XXXX.
Product: Student loan

In XX/XX/XXXX, XXXX XXXX started garnishing my checks on the behalf of Navient. In addition to the garnishment I also had to voluntarily pay {$5.00} per month, for 5 months to satisfy the program. The final payment was received on XX/XX/XXXX but they continued to garnish my check up until XX/XX/XXXX. I have been in contact with this office since XX/XX/XXXX, both XXXX XXXX  and Navient, attempting to remedy the situation. In XX/XX/XXXXI received two reimbursement checks for that months overages, while still being garnished. Per the supervisor I spoke with today, I am still owed {$590.00}. I've been told the checks would be sent to me after 30 days of the garnishment but that has not happened either. I was told the remaining checks would be sent to my employer, unlike the others that were mailed directly to me because my account has been transferred to a 3rd company known as XXXX XXXX XXXX   whom I have no dealings with at all, no contract whatsoever. The only reason my check was not garnished this week is because I'm working for a different company now but I'm being told the checks will be sent to my former employer instead of being mailed to my home like the previous ones were. I would like some assistance with this because I have been dealing with this for 3 months now only to be continuous told " we understand '' but nothing is being done to return my funds. This is theft and I'd like some assistance in remedying the situation. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an FCC Identity Theft report and forwarded the documents to Equifax. By law, The entry must be removed/blocked within 4 days of the Bureau receiving the documents. Equifax received the documents by USPS certified mail on XX/XX/21. The date as of today is XX/XX/21, yet Equifax refuses to comply by FCC and FCRA compliance laws and block the accounts.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2020 I wrote a letter certified mail # to XXXX  ( usps certified mail # XXXX XXXX XXXX XXXX XXXX ) explaining to them that the Auto loan acct # XXXX was unverified and can it please be removed.
Product: Credit reporting

Equifax has refused to release my credit report via annual credit report, XXXX XXXX, and other credit monitoring sites. I have no way of tracking it and seeing what is inaccurate on there. This is not right and needs to be taken care of. At first I thought there was a fraud alert so I sent in a letter to remove it but it still is blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account went into default due to loss of my job. The account was charged off and then bought over by a law firm debt collector. We reached an agreement for a monthly payment and I have been making the payments with no default. There was no offer in compromise, so I am paying the full money originally owed. However, the status of my account is still stated as a 'charge off, closed ', and the monthly report is reading as 'failure to pay ( FP ) ', while I am steadily making the payments. I contacted the law firm and was told it's the original debt owner ( Bank of America ), that is reporting it that way. I contacted Bank of America to change the status but they have refused to comply. The original debt was {$2800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

attached is the CERTIFIED MAIL FROM USPS XXXX and XXXX. Experian is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! Account : XXXX XXXX XXXX  CHILD SUPPORT XXXX Open options Account # XXXX XXXX XXXX XXXXOpen options Account # : **** XXXXXXXX XXXX XXXXXXXX Open options Account # : **** XXXXXXXX XXXX XXXX Open options Account # : XXXX   XXXX XXXXXXXX Open options Account # : XXXX XXXXOpen options Account # XXXX XXXX  Open options Account # XXXXXXXX XXXX XXXX XXXX XXXX  Open options Account # : -- XXXX XXXX  Open options Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Open options Account # XXXXXXXX XXXX XXXX XXXXOpen options Account # XXXX XXXX Open options Account # XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a card with XXXX in XXXX and paid each month in full for 4 years. In XXXX, I reported to XXXX that my card had been stolen and that fraud had occurred. They asked me to identify charges that were not mine. I did this- they continued to keep all those items on my bill, charge me late fees, and interest, even though all the charges were supposed to be disputed. XXXX sent me a new card and an email acknowledging they were investigating the fraud, but did not stop fees and kept all the disputed charges on my bill. I refused to make payment because the credit card contract shows that if I make a payment on items that are fraudulent, that you accept those items as part of your bill. After 6 months fines and fees and no more response about the investigation, they closed the account, continued to add on more fees, and then, after adding over {$1000.00} beyond my credit limit to the bill in finance charges, submitted the file to credit reporting agencies and a collection agency. 

I challenged them due to the fact I had fraudulent charges and they had acknowledged them but did not fulfill their end of the contract in how they handled my case. XXXX took a civil suit against me in XXXX, TN, on XX/XX/XXXX. After over a year of court dates, the judge dismissed the case because they did not have the legal right to hold those charges on me, and that should have stopped them from pursuing me and have legally made them remove the negative information from my credit report. 

Instead, XXXX processed the already charged-off debt, as a new opened account, and charged it off again, resetting the 7 year negative delinquent charged off status of my account with them. Despite having brought a civil case against me, and losing, they acted against court orders, and still refuse to adjust this. I have gotten them removed from two out of three of the major credit bureaus by showing the court signed and stamped judgement dismissal. XXXX   however, did not remove it, and XXXX will not remove it. 

XXXX XXXX  aggressive bullying and illegal actions have greatly affected my personal life in time, court expenses, lowered credit score, and overall a frustrating and painful experience from someone who was a faithful customer and on-time-always credit card holder, now still affected, years later, by their irresponsible behavior.
Product: Mortgage

I initiated a loan assumption to remove and absolve my XXXX from the title, mortgage and all responsibility. The lender informed me that this process was a 30-90 process. I started this process on XX/XX/2023. I was informed this process would be completed on XX/XX/2023. To date this process has exceeded 130+ days, without any explanation or communication as to why? I have made multiple attempts to contact the lender and the department in charge. The VA has produced guidance and guidelines for the lender.
Product: Debt collection

I have attempted to remove this erroneous debt from my credit profile for years. Despite my disputes, M & M has refused to remove the account from my credit profile. I have sent multiple letters requesting that the account be removed if it could not be validated under the appropriate guidelines. Specifically : On XX/XX/2017 Merchant & Medical reports debt owed to credit agencies On XX/XX/2017, I sent a letter requesting that M & M validate the debt within 30 days and if they did not do so to remove the account and stop contacting me. 

On XX/XX/2017, I received communication from MM dated XX/XX/17 restating the debt On XX/XX/2017, I replied with another validation letter which was signed for by M & M on XX/XX/2017 I did not receive another response and on XX/XX/2017 I sent a final letter requesting that the account be removed after M & M failed to comply with my validation requests.
Product: Credit reporting

I have contacted the credit bureau regarding the incorrect reporting of my XXXX account. There is also duplicate accounts listed on my credit report. I would like to have this information updated to reflect the most current information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights continue to be violated by Experian. I am using factual information from their inaccurrate credit reporting to dispute this items. As it is my right to have accurate information reported. 

The account of XXXX XXXX XXXX XXXX ( listed on Experian ) This account is reporting incomplete payment history, as well as a Past Due amount on a closed account. Experian has failed to update -The status update. This has not been reporting correctly it currently says as I have disputed this account with Experian on XX/XX/XXXX. ( I will attach Exhibit A. dispute report ) Report XXXX. 

How can XXXX XXXX be the status update when I clearly disputed it on XX/XX/XXXX. Furnishing and Reporting Old Information this is a Direct violation of FCRA. Please delete this account. 

Below is previously Disputed for inaccurate reporting on Experian Report number Report Number XXXX XXXX XXXX ( Exhibit B. ) XXXX XXXX XXXX Potentially Negative Account Info Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$540.00} written off. {$630.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$630.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$400.00} Highest Balance {$0.00} Terms 10 Months On Record Until XX/XX/XXXX Report Number XXXX ( exhibit C ) XX/XX/XXXXXXXX XXXX
Product: Debt collection

I discovered I am a victim of ID theft, over 20 medical accounts were fraudulently put in my name. Patient used my name to go to the ER at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. There were also fraudulent bank accounts opened at XXXX XXXX and XXXX XXXX. Two credit cards at XXXX, XXXX XXXX XXXX Per FCRA law, once the furnisher receives all my fraud documentation the accounts must be deleted from my reports within 4 business days. ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 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 informat
Product: Credit reporting or other personal consumer reports

I understand how important it is to make timely payments. However, I missed my payment because COVID-19. But Im confident this wont happen again. As you can see from my account history, I have a long record of on-time payments before and since the late payment. 
As a courtesy, I respectfully request that you make a goodwill adjustment to remove the late payment on [ XX/XX/year> ]. Please consider my track record as proof that I take my financial obligations seriously.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

This daycare amount was paid they said it would be removed and it has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX last reported on XX/XX/2023 that I owed {$5900.00}. I contacted them and they told me they sold the debt to a third part debt collector ( who is not mentioned on my credit report ), which I then contacted after and the third party debt collector told me I owed {$9000.00} from undocumented reasons that's unaccounted for and they refused to fix the incorrect remaining balance and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate the immediate action done by the Credit Bureaus to remove some of the fraudulent accounts and information that have been reported on my Credit file. However, I noticed that there are still fraudulent accounts and information that are reporting on my Credit file. I have read that under the Fair Credit reporting Act section 605b, the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft. However, the Credit Bureaus are still reporting the disputed accounts without properly verifying the disputed accounts. I am submitting this account to request the Credit Reporting Agencies to remove the disputed accounts and information that are still reporting on my Credit File. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXXXXXX XXXX Owed : {$55000.00} XXXX & XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX XXXX {$1200.00} DP OF EDUC XXXX Balance Owed : {$4900.00} DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$3700.00} DP OF EDUC XXXX Balance Owed : {$7400.00} DP OF EDUC XXXX Balance Owed : {$3500.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 TransUnion 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 student loan account opened at XXXX XXXX under various account numbers. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 # XXXX 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 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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX XXXX account # XXXX, dept of educationXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.
Product: Student loan

I called the " student loan help center '' at XXXX. It took multiple attempts as their line kept hanging up on me. After reaching a human and 37 minutes of me giving them my personal info, they said I had to pay a one time fee of {$990.00}. As I 'm eligible for total forgiveness. My loans exceed more than half of my income as I 'm on social security from a head on accident. I told the guy that there has to be a way to file " these forms '' without paying {$990.00}. Call was recorded and they made me acknowledge permission to record
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested Equifax, in the past 4 months on 3 separate occasions, beginning XX/XX/2021, for an unverifiable collection ( no creditor name, no collection company name ) you simply can not verify this account, to be removed. It has been 4 months, it's still on my credit report. Ive attached a screen shoot of the collection, and all the letters Ive sent Equifax. Not to mention they keep re-aging the account. which is illegal.