23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 


15 U.S.C 1681 section XXXX A. States I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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

For the past 4 months, Navient has been reporting delinquent to all credit bureau on my student loans. However, I was placed in a payment plan back in XX/XX/XXXX for the amount of {$220.00}. I made a payment the day of the agreement to bring my account current. For the past 3-4 months, Navient has withdrew the amount of {$220.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. For those consecutive months, I've been getting hit with negative points on my XXXX. I called to investigate and supposedly I was kicked out the program and arrangement I had made but yet money was still being taken out my account. My question is why would they continue to take money out my account if I was taken out the arrangement that was made for the {$220.00}? So I decided to STOP all payment to Navient until the issue is solve. Either way my XXXX is suffering. I think it's unfair and bad business practice. The whole point of me making the payments is to help my cripple credit score in the first place. So unfair!!!
Product: Student loan

On  XXXX   XXXX ,  XXXX , I entered into an automatic ACH payment plan to make my account current with Navient. I have been making monthly payments ranging from {$290.00} a month to now {$560.00} a month. I started to receive letters in the mail stating that my Federal Loans were in jeapordy of defaulting. How can that be if I 'm paying over {$560.00} a month? I called Navient customer service and they stated that only my private loans were setup on the ACH payment plan. It was supposed to be the entire account. I stated that during my call to set up the ACH with Navient customer service the call agent stated that my entire account would be brought to current and my interest rate reduced since I was on an automatic ACH.     Not only does Navient offshore their customer service, they do not understand the issues as they are often reading from a script, it is very difficult to get an on-shore Supervisor.     I was finally transferred to  XXXX   (  alleged Supervisor ) who stated that my Federal Loans were not setup on an ACH plan and I would have to do this on the website. He would not do it over the phone. I went over a multitude of issues with  XXXX  regarding the impact to my credit report based off their negligence and handling of my account. I had two different payment due dates for my  Private and Federal  Loans. I made  XXXX  change them to match so I would have my bank drafted for both sets on the same day. My credit report has been severely impacted because of the delinquency they have been reporting for the last 2 years. I asked  XXXX  to remove the delinquency as it was  Navient 's fault and he stated that I had to submit a written dispute to  Navient via mail. I asked if I could fax it as it would still be written and he stated no, it would have to be mailed.  XXXX  then applied a forbearance on my account to bring up my Federal loans to current. He then instructed me to go on to the website and setup my  Federal Loan AC H payments.     I proceeded to setup my Federal Loan ACH automatic payments in  XXXX  and the website showed that I needed to pay {$380.00} because the ACH was being activated too close to the  XXXX  due date. I made the payment of {$380.00} on  XXXX / XXXX / XXXX . The website was calculating  XXXX  payments because as of  XXXX / XXXX / XXXX , I do not have an amount due for  XXXX / XXXX / XXXX  on my Federal Loans. My  Private Loan  still has a payment scheduled for  XXXX / XXXX / XXXX  of {$560.00} The way in which Navient conducts business is utterly unacceptable. I should not have multiple due dates for my student loans. If my account is being addressed, it should be the whole account and not part of the account. Customer service needs to be onshore and not based in  XXXX  where people do not understand the issues.
Product: Credit reporting or other personal consumer reports

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Product: Vehicle loan or lease

This vehicle was refinanced by Upstart 2023 from XXXX XXXX XXXX, removing my wife from the tag, title, and registration. Later during the year ( XXXX ), car reprocessed. 15 days later, paid the payments and fees to regain ownership. I had to get the vehicle from XXXX XXXX, and drive to the towing company, XXXX XXXX XXXX for the tag. ( Florida states 45 days before the car can be sold ) When they refinanced my vehicle, the tag and registration listed in my wifes name. XXXX, I tried to renew the tag and was told by the DMV, no information in the system in order to renew the tag. 
Ive been reaching out to Upstart ever since. Making payments on a vehicle I cant drive. Work, doctors appointments and personal pleasure. 
I call every week, with the same excuse and blaming XXXX XXXX and even the tow company. Even mention that XXXX wouldnt allow them to register the vehicle after they changed the registration to Upstart. 
Last week, I was told I would have it in 2 days, and give the DMV a call to get the tag. DMV still dont have any information still on my vehicle. 
XX/XX/2023 to current
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are illegally reporting inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I need this inaccurate Personal Information deleted from my XXXX Consumer File immediately. Incorrect Names : XXXX XXXX, XXXX XXXX XXXX. Incorrect Address : XXXX XXXX XXXX XXXX, MI XXXX. Continuously reporting this incorrect personal information on my credit report is a violation of my consumer protected rights, and the FRCA. Monthly this inaccurate information is continuously reported. Therefore my rights are being violated monthly according to 15 U.S. Code 1681e - Compliance Procedures, Accuracy of Report, and 15 U.S. Code 1681s2 - Responsibilities of furnishers... This Negligent noncompliance of reporting inaccurate information on my credit reports must stop now. I've also never given you permission to give my information to anyone, which is a violation of 15 U.S. Code 1681b - Permissible purposes... I wrote this complaint by myself.
Product: Credit card or prepaid card

I received a scam call voicemail at XXXX on Thursday, XX/XX/2021 telling me that hundreds of dollars had been charged to my XXXX XXXX Account. I called XXXX back at XXXX and told him that I knew this was a scam and he needed to take my phone number off of his list. I went to the Amazon website and it said to notify you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies. 

sent ftc violation 3 months ago XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Name : XXXX XXXX XXXX XXXX  Account # XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX  Account # XXXX, and Account Name : XXXX  Account # XXXX, has violated my rights.

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 an account without my written instructions.
Product: Debt collection

I have had a debt purchasing company claim that i owe over XXXX XXXX dollars to them due to a profit/loss write off by the previous credit card company named XXXX XXXX XXXX XXXX This has been previously disputed and removed from my credit report due to activity being Fraudulent and not done by myself. The Credit Bureaus have removed this from my report multiple times due to missing documentation. Until now when CKS Prime Investments purchases the written off bad debt from fraud and they proceed to call me, my wife, my parents in another state, my previous employers and tell them they really need to talk to me over this legal matter and what im doing is against the law. They specifically told my father the amount i owed and asked if he could make a payment to keep me from being sued and possibly going to jail on criminal charges. They represented themselves as a legal firm and they asked XXXX members of my family who live far away from me " What all property does he own and have at his residence. '' This has been resolved several times previously and removed from my report. CKS prime investments has now filed a lawsuit against me but i am unable to receive the paperwork due to the person comes during mid day when im working and will not leave a contact # for me to meet them after work. They filed the suit electronically so i assume they will not be in court for me to even speak with about this matter. They have broken multiple financial, credit reporting laws with there collection formats as well as they have never sent me a single letter explaining the debt after i request it then the credit bureau removes it from my report and a few months later they add it back on with different amounts.just changing name abbreviation to CKS LAW & CKS PI.
Product: Vehicle loan or lease

After the vehicle was deemed a total loss resulting from an accident Exeter finance continued to report late payments to the credit bureaus for over 90 days. All payments from the insurance company were made with 30 days. The GAP insurance covered the remainder of the balance after 45 days. Exeter continues to charge me interest and fees they claim I owed after all payments were made. I sent them another {$450.00} and a signed statement document on XX/XX/XXXX. The continue to hold the payment until it reported at being 90 days late.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I've been working nonstop to correct these fraudulent accounts opened in my name now most of these accounts are reporting to the credit agencies and will remain there for 7 years. Which isn't fair when I have no knowledge of these companies nor have I ever done business with these companies. 

A list of credit cards, phones, utility, and checking accounts opened in my name and social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX XXXX XXXX, Whoconducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Product: Credit reporting or other personal consumer reports

I have XXXX credit cards with XXXX XXXX  During the beginning of the Covid 19 pandemic, I lost both sources of income. I was working as a XXXX XXXX XXXX XXXX and an XXXX XXXX at XXXX XXXX over Georgia. I was unable to make the credit card payments in XXXX and XX/XX/XXXX and it was reported on my report as late payments. I contacted XXXX XXXX and was informed that the late payments were valid and could not be updated. I inquired about the CARES Act regarding late payments due to being impacted by job/income loss. 

I recently spoke with a representative at XXXX XXXXXXXX on XX/XX/XXXX regarding the possibility of having the late payments removed due being impacted by COVID 19 pandemic and my request was declined.
Product: Credit reporting or other personal consumer reports

the attached certified letter was sent to experience on XX/XX/24 They received it on XX/XX/24 The letter included a written debt dispute, which per the FCRA requires a written notice to be mailed back to me within 5 days confirming the dispute This did not happen I called XX/XX/24 and spoke with XXXX at experian She confirmed Experian still had the incorrect address, despite it being updated in the written communication additionally she advised the issue was addressed on XX/XX/24, however none of the requested items were provided and the debt has not been properly validated as required by law, this includes written permission that I allowed them to furnish the account on my report, which I have not done. 
I declare these multiple violations of my rights as protected by the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a Chapter XXXX Bankruptcy, which is unlawful according to the FCRA due to the fact that this is not public record. The court at which I filed bankruptcy does not report to the credit bureaus. The bankruptcy court at which I filed sent out a letter XX/XX/XXXX of 2020 stating that they do not report to any of the credit bureaus. The letter is attached to the documents that I provided. I have also attracted an affidavit of dispute
Product: Credit reporting or other personal consumer reports

Finance company looked at my credit report when Ive never requested credit/loan Also According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

Follow me to learn how to dispute on all three credit bureaus Also Without Permissible 15USC 1681q Under False Pretenses. Bankruptcy Court 's don't verify debt or communicate with CRA. CRA steal info from XXXX. 
Aggravated Identity Theft. 
18USC 1028a ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't 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 719XXXX has me at a score around 590. 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 XXXX 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 XXXX 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 XXXX 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 severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed dispute with Equifax for two ( 2 ) transactions for XXXX each for XXXX XXXX. These are supposedly collections for XXXX XXXX XXXX. The two amounts in question were removed by XXXX   XXXX XXXX based on information provided to them via phone and fax in XXXX on XXXX. They advised I would be relieved of the amount owed and it would be considered a XXXX balance. XXXX   never sent a further bill. On XX/XX/XXXX, I was notified of two ( 2 ) collections items being reported for the above mentioned items. I filed a dispute and equifax simply verified the name and address and said it was valid. No actual investigation was done. To date, I have not received any correspondence from someone called XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file, the items i need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove these items from my file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. However, I request that you remove these items immediately.