23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, I have recently received information from Navient about the terms of my last agreement with repayment. This is ONLY after they sold my debt to a collection agency. I have been requesting this information in WRITING for the last 4 years, multiple times and have submitted multiple complaints with the CFPB about this topic and never received WRITTEN proof of the program I was on. While I was on the program I logged into the Navient website and found no confirmation my interest rate was lowered to the .001 % interest rate promised, and from what I saw on the website the payments I made were less than what was owed and I was late Several thousand dollars. I also noted that though I had paid on time for over a year my debt owed had actually gone up, which seems odd for a repayment plan. I was also told at the very beginning almost 4 years ago, that this plan would PREVENT me from defaulting on my loan and I didnt find out till 3 years after that I was defaulted the entire time and the only way out was to pay the loan in full, which was impossible at the rate I was going as my payments were not lowering my amount owed even after 3 1/2 years of paying {$250.00} a month. I Can not consolidate this loan because no lender will recognize my school, and Sallie Mae/ Navient at no point ever offered me a consolation loan or an opportunity to do anything with this loan other than pay the 12 % interest rate. My original amount owed was {$34000.00} I accrued 15 % interest while in school and now owe over {$56000.00} despite paying over $ 17,000+ over the last 13 years. Sallie Mae/Navient has never given me a repayment solution that actually benefited me, everything they did just added more and more to my debt owed. Im totally financially crippled because of this and cant buy a home or car or even take out credit cards, I even have to over pay on deposits to rent an apartment even because my credit score is so negativly affected. Theyve gone as far as calling my work and my XXXX year old grandma when Im even a little late on a payment and told my grandmother that my mom was going to lose her house if I didnt pay. When they called me at work I told them not to call me there and hung up, only to have them call back SEVERAL times and even tell me they knew I was getting married soon ( never disclosed so they must have learned that from my coworker ) and that maybe I should marry a rich man instead.. this company has been a thorn in my side for over a decade and I would just like to move on with my life..
Product: Credit reporting or other personal consumer reports

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt enrollment center has called me 3 to 4 times a day and I have no debt I have not contacted them for help they wont stop calling Ive asked them to put me on the do not call list and they still call and then They sent me text messages its XXXX  and they need to stop I spoke to XXXX she was mean and XXXX
Product: Debt collection

XX/XX/XXXX XX/XX/XXXX Company or " law firm '' I believe to be XXXX XXXX   representing the creditor has threatened lawsuit and damaged credit with multiple accounts/inquiries. Charging more than the original debt. An attorney from California ( XXXX attorney name and address was based in California ) filed a complaint with the state of Oregon as of XX/XX/XXXX. XXXX XXXX suggested filing an FRCA Complaint if the acronyms are correct. I am being forced into bankruptcy because of outstanding balances. There is a 2nd party on some of debt in question.
Product: Debt collection

Someone in XXXX used my identity and rented apartment in washington DC area and left that apartment company with a balance of {$1000.00}. I had left XXXX on XXXX XXXX, XXXX to XXXX after selling my house on XXXX XXXX, XXXX in XXXX XXXX Michigan, Since then I have become permanent resident of XXXX and I presently work here also in XXXX, XXXX. 

this company said in order for me to take my name away from their call list they need me to file a formal report to CFPB and police. But Michigan police said I need to come in person to file the report as they don't except online complaints. 

Hence, I hereby request you to please help me in this regard. I have XXXX credit score and presently have business in Michigan and own a house too.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, Discover Financial Services made 18 inquiries about my credit within a 7 month period. Some of these inquiries occurred 3 and 4 times in one month. Below are the specific dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

To my recollection I didn't have a Discover account during this time-frame nor did I owe them any money from a previous debt. The only account remotely related to Discover was a XXXXXXXX XXXX XXXXXXXX card that was paid off in XXXX of XXXX. 

According to my rights on this same credit report it states that " Access to my file is limited ''. 18 inquiries within a 7 month period is limited?? I have to pull a more recent credit report to see if these actions are still taking place and if they are than I may be forced to seek legal action as this adversely affects my credit report and have recently had issues obtaining credit for major purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are reporting inaccurate personal information, names, addresses ect ect.
Product: Credit reporting or other personal consumer reports

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  XXXX XXXX XXXX
Product: Vehicle loan or lease

My car is a XXXX XXXX XXXX only 60k miles on it and the car will not operate and the dealer can not find what is wrong with it. This issue is apart of a class action settlement but they will not give me a rental or any assistance for me and my XXXX children. It has been 3 weeks and I am still paying a loan payment of {$660.00} a month so I can not afford a rental or XXXX for the XXXX of us. My car insurance or XXXX said I can not get a rental. XXXX said I have to be in an accident and XXXX said they do not help with this kind of problem unless its a factory part covered under warranty but they do not know the cause to know if its warranty covered
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 
I want the CFPB to publish this
Product: Credit reporting or other personal consumer reports

I am writing to address multiple alarming violations regarding my consumer credit report, which I believe entitle me to monetary compensation under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s2. Specifically, I have identified unauthorized inquiries on my report which I did not initiate. These actions violate 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ), which governs the furnishing of consumer reports in connection with credit or insurance transactions not initiated by the consumer. 

Upon reviewing my consumer credit report, I identified the following unauthorized hard pull : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX stipulated under Section 604 of the FCRA, a consumer reporting agency may furnish a consumer report in connection with credit or insurance transactions not initiated by the consumer only if : The consumer authorizes the agency to provide such a report. 
The transaction consists of a firm offer of credit or insurance. 
Additionally, FCRA 15 U.S.C. 1681b outlines the permissible purposes for obtaining consumer reports, which require explicit consumer consent. I have not provided any written consent for these inquiries, and I demand their immediate deletion from my credit report. 

Furthermore, I have experienced identity theft resulting in the unauthorized use of my Social Security number. This has been reported to the Federal Trade Commission, and an FTC Report is enclosed for your reference. According to 15 U.S.C. 1681c-2 ( c ) ( a ), you are required to block and remove all information resulting from identity theft within four business days upon receipt of a proper complaint. The specific unauthorized accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with these regulations is a violation of : 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance, with each violation incurring statutory damages of {$1000.00} or actual damages, whichever is greater. 
15 U.S. Code 1681o - Civil liability for negligent non-compliance. 
Additionally, your actions constitute : Defamation of character. 
Negligent enhancement of identity fraud. 
Multiple violations of the Fair Credit Reporting Act. 
Violation of privacy rights under 15 U.S. Code 1681a ( 4 ). 
To address these issues, I demand the immediate removal of the aforementioned unauthorized inquiries and accounts from my credit report. Enclosed, you will find the necessary information to facilitate this process. 

Should you have any questions or require further information, please contact me at the address provided above. I expect a prompt response and resolution to this matter. Failure to act accordingly will compel me to pursue legal action, seeking damages for each violation as allowed under the law. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 and 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

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Product: Credit card

Synchrony Bank has been denying me access for a XXXX XXXX credit card and Amazon the last XXXX  years. They have never given me a chance to prove I can pay they just denied me access and I feel it is XXXX XXXX. Every store or vendor I try to get a store card from goes through them and they deny me even when my score is high they deny me access. I can't get a XXXX XXXX or XXXX XXXX XXXX XXXX  cause them
Product: Credit reporting, credit repair services, 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. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX  Inquiry has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent
Product: Mortgage

I have been reaching out to this mortgage servicer for over a year. They do not send information about removal of PMI and they lose my written correspondence and even lost the check that I mailed to them in their own self addressed envelop. They are irresponsibly causing me to pay PMI for over a year that equates to over {$2400.00}. There is no way to escalate and no one gets back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes regarding this issue with multiple credit bureaus and uploaded documents to the Document Vault of the creditor Ally Financial and faxed documents to them as well. 

My ex-wife and I both signed for an installment loan to purchase a XXXX XXXX XXXX with Ally Financial ( account number is XXXX ). While my wife and I were going through a divorce she totaled the car. Even though she lived in Virginia and was insured with her name only on the policy, her XXXX insurance agent notified me of the accident and informed me that my wife was not answering their phone calls or responding to emails regarding the settling of the claim to pay Ally Bank the insurance payment. 

It was determined that I, alone, could sign the documents to settle the insurance claim with XXXX  and they made a $ XXXX payment in XX/XX/XXXX, to Ally ( Claim number XXXX Loss Date XX/XX/XXXX ). I also took the steps to recover a partial refund of a service contract that we had purchased for the auto and those dollars were also sent to Ally Financial in XX/XX/XXXX. 

When my wife and I settled our divorce, she agreed to pay the remaining balance of the loan. She has not paid this as of today. Not even XXXX dollar. The property and settlement agreement has been approved by the XXXX XXXXXXXX XXXX XXXXXXXX XXXX in XXXX, VA on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

An account on my XXXX report pass the 7 years statue of limitations and still on my report!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain fraudulent accounts from my credit report. As a victim of identity theft resulting from a data breach, I believe the accounts listed below were opened without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be promptly blocked and deleted from my credit file. 
Fraudulent Accounts : 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
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Debt collection

I have contacted XXXX provided a police report when my purse was stolen and I became a victim of identity theft since XXXX. I have contacted these collection agencies asking them to verify and validate the debt and I have received nothing but a violation of HIPPA from 1 out of 27 collection agencies. I have fought this battle of trying to remove the fraudlent activity since XX/XX/XXXX. XXXX  will not remove these inaccuracies at all they are fraudulent and are not my any means consented by me. XXXX  sent me a credit report informing me to call the collection agencies which I have only to be hung up. These collection agencies threatened me with jail and liens and even harassed my job. Im in desperate need to get this fixed I cant even get equipment for my daughter who is XXXX because someone has ruined my credit. I have done everything XXXX has asked of me only to receive no results. I have even paid for extra privacy and alerts through XXXX to still have no results but a waste of time and money. 
Collections : XXXX XXXX-1 item Dba XXXX XXXX-1 item XXXX XXXX-1 item XXXX XXXX-25 items XXXX items XXXX- 1 item Addresses : XXXX XXXX XXXX   XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX # A XXXX fl XXXX XXXX XXXX XXXX # XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX  XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX I hAve tried to even these addresses to try to see if maybe I could figure out who stole my identity and most of them dont even exist I have never lived here. 

Inquires- XXXX/XXXX of XXXX XXXX XXXX XXXX/XXXX of XXXX Please remove Im not currently car shopping and wont be for another 3 years these are not authorized by me. I talked to XXXX and of course they told me to call the company that made the inquiry and of course I visited the business and they couldnt tell me anything but it was made over the phone and I would need to contact XXXX for it to be removed. I did contact XXXX once more and for some odd reason when I ask to speak to a manager The line gets disconnected. 
I have sent numerous letters and phone calls to these companies and XXXX I have paid for extra fraud protection and added a fraud alert to still end up with no result.
Product: Credit reporting or other personal consumer reports

I found fraudulent inquires and account in my credit report.please remove that. XXXX XXXX inquire date XX/XX/year> XXXX XXXX inquire date XX/XX/year> XXXX XXXX XXXXnquire date apr XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccuracies on my credit report on XX/XX/2021. It has been over 50 days and I still have not received a response. These inaccuracies have negatively impacted my life tremendously. According to section 611 ( a ), disputes should be investigated within 30 days and if not done it gives reason to remove those items from credit report, which it has already been over 50 days already. My information has also been impacted by the XXXX  and Equifax data breach as well and I am worried that my information may have fell into the wrong hands. I will not continue to be ignored and not have this issue resolved. I will file for litigation if this is not handled properly and the accounts are not deleted immediately.