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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX 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 Balance Owed : {$2500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Owed : {$2500.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX XXXXXXXX Owed : {$1300.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$160.00} ; XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the accounts  XXXX/XXXX  XXXX****, XXXX  XXXX****, with XXXX  and Equifax for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please I’m looking to purchase a home.
Product: Debt collection

I placed an application and paid the application fee for the apartment complex XXXX XXXX. However, I never signed a contract or lease to lease an apartment. I only placed a application and inquired about the apartments. The company is now charging me 300+ dollars and because I refused to pay they placed the debt on my credit report. I don't know where this charge came from because I paid the application fee of $XXXX  in full so not sure why they are showing that I owe them anything.
Product: Credit card or prepaid card

On XX/XX/XXXX of XXXX I had received a letter from Chase Bank in reference to a recent application for their Chase Freedom XXXX card which I was denied due to the following reason : " Delinquency or other derogatory relationship with our bank '' I had disputed this account starting with all three credit bureaus with supporting documentation proving and also requesting proof from the bank regarding the account in question in this letter as I had never opened said account back in XXXX in XXXX as I hadn't been living there for almost a decade. This account has been removed and deleted from my credit reports yet for some reason they still mention this account that was a result of identity theft and based my application decision from this when that isn't even correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was seen by XXXX XXXX  in XXXX NH for a work-related back injury in which there is an open claim verified by the State of NH workmen 's comp. XXXX was to followup with the company and apparently did not and even though i repeatedly told XXXX to contact my former employer 's workmen 's comp insurer they did not and repeatedly harassed me then sent it to cbcs collections out of XXXX NH who has continually called me using a dummy rhode island phone number and leaving no messages. I repeatedly spoke with reps from cbcs explaining workmens comp and even offered to pay the bill to avoid negative credit reporting even though i am not responsible for it but was told i did not have to if it was workmens comp by XXXX. I forwarded a copy of the workmens comp claim letter to cbcs XXXX XXXX but they continue to keep calling me.
Product: Student loan

I can not get in contact with a representative. Calls go unanswered.
Product: Debt collection

My husband and I had federal student loans from our XXXX and XXXX  education and we needed to consolidate to be able to afford to repay them. We were told Nelnet was a servicer of our federal student loans and so we assumed we qualified for the cares act COVID relief. Once the announcement of the relief was made we stopped paying our loans but just discovered nelnet is reporting our loans as defaulted. When i asked why they said that it was only for people with dept of education loans ( which ours were ) but that nelnet was a commercial servicer. This was never explained to us and seems exploitive since we would have never turned down the benefits and protections of federal student aid. We are now facing default and nelnet has not provided any support of guidance for what we know is a mistake. We know we are not the only borrowers who assumed we had relief during COVID and you can see from our payment history that we only stopped once we learned of the cares act relief for federal student loan borrowers. Our credit is ruined for XXXX XXXX and we need legal support to address the predatory and neglectful nature of nelnets financial practices.
Product: Debt collection

Loan amount : {$30000.00}. Account opened by EOS CCA in XX/XX/XXXX. This loan account was from a private student loan, joint account. This specific account was in deferment and was incorrectly sold to EOS CCA. The other person listed on this joint account bears responsibility for 50 % of entirety of the student loans as decreed by a Judge, and as of XX/XX/XXXX, All of my student loans have been discharged due to my permanent and total XXXX. I have emailed these supporting documents to EOS CCA as evidence and they have not responded to this date. It's been 4 months since I've sent the documents. Still am waiting for a response. 

EOS CCA purchased an account, that should never have been sold as it was in interest only deferment ( I was still within 6 months of graduation when this loan was bought by EOS CCA ). The other student loans that were accrued before and after this debt was sold have all been discharged.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  ( XXXX ) ( XXXX XXXX XXXX  ) Has violated my rights. 

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

15U.S.C 1681 Section 604A Section 2 It also States a Customer Reporting Agency can not furnish a account without my Written instructions.
Product: Credit card or prepaid card

I made a transaction of {$1400.00} on a private website and the shipper marked the product as delivered but I never received it. I reached out to the business for no use, I have been continuously following up with the bank and created multiple disputes but they were closed without any proper justification. On my 6th dispute, I was requested for an affidavit which was submitted in time but that too was closed without a reason. I have been calling them every month since XX/XX/2021, but they stopped accepting a dispute after a year but I still kept trying to reach to a supervisor and discuss my issue. Their call centers are based out in XXXX countries, the reps on call hardly understand what is being said and they either XXXX on my face or ask to call later. Recently, in XXXX, I got a call from Citibank asking to clear out all the balance but I refused due to the pending dispute. The person over the call was patient to listen my story and promised to raise it to their corporate and come back with a solution, he confirmed not pay anything till theres a solution to this. But in a few weeks I was notified about a late payment derogatory remark submitted by Citibank relating to the same transaction. I have been reaching out to Citibank to get this corrected but no one is able to understand not willing to help. They even cut short my credit limit to XXXX from XXXX, which is making a bad effect on my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today i received a email stating that a student loan was past due for 90 days. This is fraudulent and identity theft. I have stated before in the past over three years ago that this is not my account and that my loans that was listed with a different agency and company. I no longer have a loan number for the past account because it was paid off over four years ago. Therefore the documents presented to the credit reporting agency i have no knowledge of or a copy of. If the reporting credit agencies that this has been blocked and deleted from my account rather XXXX seems to have a pattern of reporting this fraudulent information on my report every two years as the pattern shows. I believe that its an attempt to block and hinder my credit rating and high number due to other issues from other banks. It has been 644 days since this was deleted from my account and or paid in full.
Product: Credit card

I opened a XXXX XXXX account, and they gave me a line of credit of XXXX. XXXX some does some sort of a linking method after you are approved to your profile at XXXX instead of giving you a physical store card. They can not get my new account to link to my XXXX account. So, I open this new credit line that I do not have access with. I spend countless hours on the phone with them and was told my situation was escalated. I never hear back from the company. I wrote a letter to XXXX XXXX XXXX and finally had someone reach out to me and said he had issue before and will have it fix in 72 hours and get back to me. It been longer then 72 hours and nothing nor will he respond to my email. I am so upset that I had a credit check done on me, a credit line opened and I can not even use it, I really need help.
Product: Checking or savings account

My account became overdrawn, which caused an overdraft fee. Bb & t continued to charge fees for months after Id stopped using the account. It wracked up over {$1200.00} in fees that had no charges attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized inquiries across all my credit reports dating back to 2019. I haven't applied for or authorized anyone or any company to apply for anything for me. I have contacted the credit bureaus via phone, email, and regular mail without any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

need a copy of original contract signed
Product: Debt collection

The last correspondence I sent the company on XXXX XXXX 2015 pertained to a demand for validation. Midland has failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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: Checking or savings account

Do to my understanding I have XXXX in my account someone change my personal information change my date of birth make make seem like wasn't anything in my account see the date of birth incorrect information fraudulent activity happened with Wells Fargo
Product: Credit reporting

I have notified Experian on multiple occasion that some one used my personal information to open credit accounts online with XXXX XXXX XXXX XXXX. I have provided the Identity Theft affidavit, proof of resident as well as the police report information. I have also asked that the information be blocked from my credit report in writing. They refuse to investigate or comply with the rights I have been provided under the law for victims of Identity theft.
Product: Payday loan, title loan, or personal loan

One main fin is a rip off they are charge me 100 % I receive XXXX and they want XXXX back
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to Equifax to dispute items that are appearing on my credit report that are inaccurate and/or invalid. As of XX/XX/2021 ( 51 days later ), I have yet to receive a response from Equifax with the results of their investigation. The disputed items in my report are adversely affecting my ability to obtain credit as well as the terms under which I can receive credit. Per federal law, failure to investigate disputed items within 30 days gives reason for the items to be promptly deleted. I demand that these items are deleted from my credit report immediately.
Product: Debt collection

I contacted affirm about a company they paid for a product I never received and the company agreed to return the money to affirm. 
I told affirm I contacted the company XXXX and XXXX sent email to me stating they return the money back to affirm. Affirm Continue to harass me after I sent the email stating this. I don't believe they ever contacted XXXX about their funds and now they sent this to a debt collector in which they never informed me off this. 
They still end up putting this debt on my credit report. I believe they got their money back and they are trying to get double paid. They have not talk with me or sent any letter about if they got their return money back from XXXX.
Product: Credit card or prepaid card

Comenity Capital Bank, NFL credit card account users get {$100.00} back in the form of a statement credit if the customer spends {$500.00} net, off-us sales in the first 90 days from account open date. 

I opened NFL credit card on XXXX and on XX/XX/2023 I make a payment of XXXX. 
I have not received my {$100.00} back after I have spent {$500.00} Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just started montering my credit and I see that the credit bureaus are inaccurately reporting data about me. XXXX  has my name listed incorrectly 30times. I have tried disputing with XXXX has been refused the right to dispute how my name is reported with them. 

I am very disappointed that these credit bureaus are able to get away with inaccurately reporting data about a consumer. I have been denied credit time after time and I never understood why and now I see why There are several student loan showing up on my report that I NEVER opened. My credit file contains inaccurate addresses to which I have never resided at and this is unethical. 

I am asking that the CFPB steps in and makes sure the credit bureaus does whats right under law
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to formally address the unauthorized reporting of fraudulent accounts on my consumer report due to identity theft. Your failure to properly verify and correct this information is in violation of the legal requirements set forth by federal law. 
Violation of 15 USC 1681b ( c ) Furnishing Reports in Connection with Unauthorized Credit or Insurance Transactions According to this statute, a consumer reporting agency is prohibited from disclosing records of inquiries related to transactions not initiated by the consumer, unless explicitly exempted by law. 
Immediate Action Required : The following fraudulent inquiries, stemming from identity theft, were not initiated by me and must be removed without delay : Inquiry : Identity Theft and Federal Law Compliance Under 18 U.S.C. 1028A ( Aggravated Identity Theft ), using another person 's identifying information without lawful authority during a felony constitutes a severe offense, punishable by imprisonment. The existence of unauthorized accounts on my credit report constitutes clear evidence of identity misuse. 
Permissible Purposes of Consumer Reports Under 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies may only provide consumer reports with written consent from the consumer. This standard has not been met in my case.

Ensuring Fairness and Accuracy As per 15 USC 1681 ( Fair Credit Reporting Act ), consumer reporting agencies must uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. 
List of Fraudulent Accounts XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S. Code 1681c2 Block of Fraudulent Information I demand that, as stipulated by law, you block the reporting of the fraudulent information in question within 4 business days of receiving this correspondence and the attached supporting documentation. 
Enclosed Supporting Documents : Copy of government-issued ID Proof of address ( utility bill ) Copy of Social Security Card Official FTC Identity Theft Report Updated Report Request I request an updated copy of my corrected consumer file, as entitled under 15 USC 1681c-1 ( 2 ), which provides consumers access to free reports when fraud alerts are involved. 
CC : Bureau of Consumer Financial Protection ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX Attorney Generals Office ( State of Pennsylvania and respective state of each bureau ) Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Enclosures : Copy of ID Utility bill Copy of Social Security Card FTC Identity Theft Report
Product: Mortgage

Loancare LLC states I missed a payment, did not pay correct amount, charges late payment fees every months, when I have banking documentation clearly showing I have paid on time every month. I contacted them when I received credit bureau report that I was two months delinquent on mortgage. They never once contacted me to discuss. Each phone call with them they tell me a different story, and continue to charge late fees, even after I have sent them documentation three times showing payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, XXXX # XXXX. I sent you a letter on XX/XX/2021 and I was expecting to get an answer from you but to this date, over 30 days have passed, I still havent heard back from you. Someone told me to go to this website to follow up attaching the copy of the very same letter I sent you. I heard that it is a violation to ignore a dispute letter so I hope you wont delay this matter any further. I need this inaccurate and misleading information cleared off. I am fully aware of what I have on my report and what I should not have and the information I listed on my report are all mistakes, My information was also affected by the Equifax data breach so please investigate this matter immediately!
Product: Credit reporting or other personal consumer reports

I am writing to dispute a collection account reported by XXXX XXXX XXXX for an alleged debt with XXXX XXXX  XXXX. This account has been added to my credit report without my authorization, as I am a victim of identity theft. I have no affiliation with this account, and it is not mine. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Sections 605B and 611, I am requesting the immediate removal of this inaccurate information from my credit report. Section 605B grants me the right to have information resulting from identity theft blocked from my report, and Section 611 obligates the credit bureaus to investigate and remove any unverifiable information.

This fraudulent account is negatively impacting my credit score and causing undue distress. I request that you immediately investigate this dispute, block the information, and delete the account from my credit report. Continued reporting of this account would be in violation of my rights under the FCRA, and I am prepared to take further action if necessary. 

Please provide confirmation that this account has been removed from my credit report.