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

I did not give this company authorization to report this collection to my credit report this violates my privacy rights under the privacy act of 1974 and this is fraud. 

XXXX XXXX XXXX {$30000.00} ( Amount ) XXXX ( Date ) I took action by asking the company to send me information on this collection debt in a form of a letter still no action taken on behalf of the company.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  **** XXXX Owed : {$10000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 With reference to section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report I request that you provide the original documents for this information containing my appended signature and any other related information if this information is unavailable i am requesting a removal as soon as possible I XXXX XXXX XXXX XXXX recently reviewed my credit report and I found unauthorized number, account wrong listed on records etc., XXXX, TRANSUNION, XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally funded yprotected consumer rights to privacy and confidentiality under 15 USC 1681. These are account I want DELETED AN ARE UNAUTHORIZED Here as no permissible use and are not accounts that I have had relationships with..

are all unauthorized an have no Permissible use.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate
Product: Checking or savings account

I spoke to a XXXX XXXX bank representative at XXXX ( XXXX ) XXXX. He told me that all my accounts are frozen due to my immigration status. I am a US citizen and I feel discriminated against and abused. I have been in XXXX XXXX for years. My paycheck arrives every week. Having it frozen brings bigger problems since I have to make payments every day. It is an abuse.
Product: Credit reporting or other personal consumer reports

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH EXPERIAN, AND XXXX, AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY. 

EXPERIAN : Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, MO, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
The following accounts are incorrectly reporting. 
XXXX XXXXXXXX - XXXX - The late marks being reported on this account is incorrect. 
XXXX  XXXX - XXXX - The late marks being reported on this account is incorrect. 
- XXXXXXXX XXXX XXXXXXXX - XXXX - The late marks being reported on this account is incorrect. 
XXXX XXXXXXXX - XXXX - The late marks being reported on this account is incorrect. 
XXXX XXXXXXXX - XXXX - Account in violation of the FCRA 15 U.S. Code 1666- CORRECTION OF BILLING ERRORS. The creditor failed to reflect properly on a statement a payment made by me. - The late marks being reported on this account is incorrect. 
XXXX XXXXXXXX - XXXX - The late marks being reported on this account is incorrect. 
XXXX XXXX - XXXX - Section 609 of the FCRA states that you're required to send me the original paperwork that verifies this account otherwise, this is false information. 
These inquiries were not authorized : XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 

XXXX : Incorrect Name - XXXX, XXXX, XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
The following account is incorrectly reporting. 
XXXX XXXX XXXX XXXX - Section 609 of the FCRA states that you're required to send me the original paperwork that verifies this account otherwise, this is false information. 
These inquiries were not authorized : XXXX OF XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX OF XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report.
Product: Student loan

I qualify for all three of these Draft Rules to Provide Debt Relief to Millions of Borrowers. Since the Department of Education insists that they do not have any paperwork from before XXXX. Let me provide you again with some of the paperwork that proves the validity of my claims. 
1. Helping borrowers who enrolled in low-financial-value programs or institutions a. The XXXX XXXX XXXX XXXX was a for-profit school that I graduated with my XXXX  XXXX  back in XXXX of XXXX. I sent in a XXXX XXXX XXXX XXXX back in XXXX, and I still do not have this debt forgiven. The XXXXXXXX XXXX XXXXXXXX Settlement attests to this school being a very low-financial-value program. 
2. Eliminating student debt for borrowers who entered repayment at least 20 years ago : The proposal would permit student debt forgiveness for borrowers with only undergraduate debt if they first entered repayment at least 20 years ago ( on or before XX/XX/XXXX ) a. My XXXX XXXXXXXX degree ( proof attached ) was completed on XX/XX/XXXX. 
3. Cancelling runaway interest : One would permit automatic relief of up to {$20000.00} of the amount by which a borrowers loans currently exceed what they owed upon starting repayment. A separate rule would permit the Secretary to forgive the full amount by which a borrower saw their balance grow after entering repayment if the borrower is enrolled in any Income-Driven Repayment ( IDR ) plan and has annual income equal to or below {$120000.00}. 
a. Original Loan Date 1 - XXXX - XX/XX/XXXX {$2600.00} Original Loan Date 2 - XXXX XXXX XXXXXX/XX/XXXX {$3500.00} Original Loan Date 3 - XXXX  - XX/XX/XXXX {$780.00} Original Loan Date 4 - XXXX - XX/XX/XXXX {$350.00} TOTAL for my XXXX XXXX  Degree on XX/XX/XXXX - {$7200.00} TOTAL for my XXXX XXXX  Degree on XX/XX/XXXX ( 24 years later ) - {$17000.00} This latest total is {$9900.00} OVER the original loan amount in just interest. ( see attached for original loan information )
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted all 3 credit bureaus by mail, online, and over the phone to dispute inquiries on my credit reports. I 've put a fraud alert on all 3 as well. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Stellar Recvery Inc. and XXXX together Placed a derogatory collection line on my XXXX Credit File on XXXX/XXXX/2016 before and without sending me any notice to either make me aware of the debt or explaining my rights to dispute. Stellar failed to perform proper notification in writing required be ( FCRA )
Product: Checking or savings account

I was overdrafted 27 times in one month. 
The overdraft fees totaled over {$500.00} this month alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On both credit reports Equifax and XXXX  they show that I have accounts with XXXX XXXX XXXX and XXXX XXXX. I do not have accounts with them. I called XXXX  XXXX XXXX and XXXX XXXX they both said that they do not have any accounts with my Social Security Number. The partial account number listed on XXXX XXXX XXXX is # XXXX on both Equifax and XXXX. Partial account number listed on XXXX XXXX is # XXXX. 
This number is on both Equifax and XXXX. I have filled out the papers that both XXXX  and Equifax provide if you have issues with the reports. Told both Equifax and XXXX that these account are not my. To remove them immediately. I contacted the fraud departments of the bureaus. I have also informed the Federal Trade Commission and they said to contact you. Also filed a police report with XXXX, PA police department. Report number with them is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the entire balance of the account off XX/XX/2015. I spoke with customer service they provided me with the codes and information to pay via XXXX XXXX. 

The problem is that the payment was not posted on the Consumer Credit Reporting Agencies as paid. It was initially reported as an un paid charge off. I complained they later changed the status as a charge off paid to another creditor. I paid the original creditor XXXX XXXX. I ended up having several heated exchanges with XXXX XXXX 's representatives. Eventually, I was able to speak to a representative from XXXX XXXX who assured me that the information would be updated and corrected on my consumer Credit Reports. It has not been corrected. A new creditor I believe who recently acquired XXXX XXXX is now incorrectly reporting that I have a charge off with their institution. 

I am concerned that the repeated reporting of incorrect information regarding my account with XXXX XXXX is a result of several contentious conservations with their employees.
Product: Credit reporting or other personal consumer reports

You should not provide negative information to a credit reporting organization until you have thoroughly reviewed my dispute. If negative information has already been recorded, you must tell the agency to remove it until the investigation is completed so that my credit report stays correct, or at the very least, it is updated to reflect my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX credit card from XXXX is showing up on my credit score for XXXX $ I had a card from XXXX XXXXXXXX XXXX last year for XXXX $ that I never used and canceled. My XXXX  credit account is all messed up because of identity fraud. I keep freezing my account but these people opened an account with XXXX which is also on my credit but I have XXXX. I can't call any of these companies because my phone calls get ported and I never know who I am speaking with. I also have a XXXX card that was opened last XXXX and was paid off but it says I still owe a payment and now I have just seen XXXX Bank for XXXX Card which I disputed because I paid the card off completely 4 months ago and it's showing XXXX  XXXX cards... I don't know what to do this all started last XX/XX/XXXX and I actually canceled the XXXX account but someone opened and paid to have the premium account reopened so in my opinion they can somehow manipulate what is on my credit report. Since last year my credit score has dropped XXXX points, I've had to close out all my bank accounts twice. XXXX recently just gave me a new phone because of all the coding that was in it from hacking. I can't keep an email address without it getting hacked including my work email.I work at a college and found a hidden voicemail last week about my student loans which I don't have. I have had my unemployment from state of Massachusetts opened twice and I've contacted authorities, FTC, and I was told by XXXX to go to the FBI.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to an inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Bank account or service

Bank XXXX XXXX gave us a XXXX. Loan to purchase XXXX trucks for our trucking co. The loan was paid after bank of XXXX was sold to XXXX XXXX then sold again to Wells Fargo. The loan is paid. XXXX separate lien releases were filed in XXXX. XXXX for the deed of trust, XXXX for the loan. The problem is somewhere in the repurchase of these banks the numbers got transposed? Or XXXX lien releases were filed on same property, but did n't release the deed of trust. We have XXXX working in this for over a year. First case opened in XXXX XXXX, then closed in XXXX XXXX will no resolution. ( XXXX buyers walked last year because of waiting on Wells Fargo to find the problem ) Now this year, we opened a new case in XXXX & it 's been 8 + weeks &! norhing is getting done. We have house sold & buyers are ready to walk again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureau again that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Good Evening Victoria Secret! - My name is XXXX. XXXX, and I'm extremely concerned about my credit report. By the way ; how are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XX/XX/2020 for 30 days late. This is surprising because I have an excellent track record I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card

XXXX reward points were moved from my account to an unknown XXXX account. I had not requested the transfer. I received an email from Capitol One on XX/XX/year> stating the points had been successfully transferred. I called immediately and said I had not requested the transfer. I was told an investigation had been opened and I would hear from a representative in 10 days. I called again on XX/XX/XXXX and was told this time these investigations could take up to 90 days and was apologized to for having received false information regarding the 10 day time frame. These rewards points ( which translate to real cash and which I earned ) were stolen from my account and I have been passed along from one agent to another, but received no real help. XXXX, which is also responsible, accepted no responsibility for this theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on file is incorrect the address and number stated on the record is incorrect. I think someone is trying to steal my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I disputed an inaccurate account with EXPERIAN XXXX XXXX XXXX. The account I disputed was XXXX XXXX XXXX Account ending with XXXX well Experian did their investigation and the account came back verified and accurate. On XX/XX/2018 I typed a letter to Experian asking for their ( METHOD OF VERIFICATION ) for that account and dispute. I am absolutely certain that the item I disputed is incorrect and should be removed, so I was hereby exercising my rights under the FCRA 611 ( A ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I have attached the letter that was sent to EXPERIAN via certified mail. I have a copy of the certified mail receipt that I sent the letter to the address listed on my credit report. On XX/XX/XXXX Experian received my certified letter started the process of my letter they received it and they refused and failed to send me my request. This is not right are you Experian investigating and verifying this account and me as the consumer cant the METHOD OF VERIFICATION like I asked for. Experian you are in violation of the FCRA and this is against the law and I will be filing a small claims suit for the non compliance for this matter. The letter was sent certified you received it and did the reinvestigation and failed to send me what I am entitled to see. I would like this account removed from my credit report. On XX/XX/2018 I received a letter stating that this account was verified and Experian wasn't going to investigate the matter again.. Experian you failed to send me by mail the proof and the method of verification that I am entitled to. On XX/XX/2018 I called the original creditor which is XXXX XXXX XXXX   and spoke with a XXXX XXXX XXXX agent her name was XXXX her rep id is XXXX and I asked her for the records of Experian Method 's of verification the agent stated she didn't have any records of the method of verification from Experian on this account This is not right and against the FCRA. Experian please remove this account from my file,, I will be going downtown to my local court and file this suit if this account isn't removed from my file. be advised I have all the paper work showing that is sent all letter to Experian and they received them and violated my rights under the FCRA. Experian was given ample amount of time to send the paper work and yet they refused to send me the METHOD OF VERIFICATION. please delete the account asap from my file or this will be a legal matter in court. and I will be entitled to damages for the non compliance and violation for the FCRA 611 ( A ) ( 7 ). and willful non compliance. I have attached the delivery notice, the certified mail receipt, the letter dated XX/XX/2018 and the Experian results,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  XXXX PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting 2 loan accounts as delinquent in XXXX  of XX/XX/XXXX, when in fact I consolidated my student loans and this was paid off in XXXX of XX/XX/XXXX, This loans are listed as XXXX and opened XX/XX/XXXX also XXXX and opened XX/XX/XXXX these loans should never have been delinquent to begin with, I applied for a financial hardship and a deferment that was never processed.

I want these delinquent marks removed from all three of my credit reports.
Product: Credit reporting or other personal consumer reports

I submitted a request to XXXX, Equifax, and XXXX on XX/XX/XXXX to remove any identity theft statements and to remove any credit freeze on my accounts. However, I have not yet received confirmation of the request 's completion. Could you please verify the current status of my credit freeze with each bureau