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

While checking my most recent recent Experian credit report, I noticed credit inquiries that I did not authorize made by the following companies, XXXX XXXX XXXX XX/XX/22, XXXX  XXXX  XX/XX/XXXX and XX/XX/XXXX ( XXXX entries ), XXXX  XXXX  Ser XX/XX/XXXX, XXXX  XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/22, XXXX XXXX XX/XX/22, XXXX XXXX XX/XX/22, XXXX  XXXX XXXX  XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21XXXX XXXX XX/XX/22. I didn't authorize any employee by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Also, I spoke with a specialist of Experian by the name of XXXX XXXX who claimed she works my account and she did not attempt to resolve my issue and was impractical and unhelpful. I request that another employee is to work on my file because my experience with this individual was un-constructive as she was unwilling to remove these unauthorized inquiries. This is affecting my credit score and my quality of life. Lastly, I have filed a police report with the XXXX XXXX XXXX  Police, Case # XXXX, Incident # XXXX in regards to this matter. 
Please advise.
Product: Student loan

Nelnet has fraudulently manipulated its payment system to unjustly enrich themselves by deferring payments to the borrower 's principal. For months, they have been rejecting my online payments. I spoke to them earlier and they claimed that it was my bank cancelling the payment, or perhaps incorrect info. My bank confirmed no transaction attempts were made by nelnet on those dates which i will detail below. I provided my bank account # s correctly to nelnet via their online portal. I confirmed that the numbers are correct and in fact one successful payment was made using the same account # s via my nelnet online portal. I attempted to make payments on : XX/XX/XXXX for {$1700.00} XX/XX/XXXX for {$800.00} XX/XX/XXXX for XXXX All were rejected. 

I spoke to XXXX at nelnet at XXXX today XX/XX/XXXX calling from my phone number. She stated that nelnet would not remit any interest accrued. I believe they intentionally fail to collect payment so that the principal will remain higher.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not sure who furnished incorrect information to these companies I see on my consumer report!! I never willingly entered into a consumer credit transaction with any of these companies!! I Know this is A direct VIOLATION OF MY CONSUMER RIGHTS. These companies are using false, deceptive practices as well as illegal collection activities pursuant to FCRA.

This is in FACT AGGRAVATED IDENTITY THEFT PURSUANT TO 18 USC 1028A. ANY AND ALL INFORMATION FURNISHED TO THE CREDIT REPORTING AGENCIES RESULTING FROM IDENTITY THEFT MUST BE BLOCKED & DELETED FROM MY CONSUMER REPORT PURSUANT TO 15 USC 1681 C-2. 

IDENTITY THEFT REPORT WAS FILED AND ATTACHED AS WELL!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$29.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i received a copy of my credit report and noticed many fraudulent accounts and inquries that is stopping me from obtaining credit.
Product: Credit card or prepaid card

Nordstrom/TD Bank is reporting a fraudulent account opened on XX/XX/18with an amount owed of {$1700.00}. I have communicated with the creditor that the account is as a result of Identity Theft and I have supplied the creditor and the CRAs ( credit reporting agencies ) with all the appropriate law enforcement reports and a explanation outlining the Identity Theft. The creditor, Nordstrom/TD Bank is denying to investigate and has denied me of proper FCRA rights, including the ability to examine the findings or facts for their decision making.
Product: Payday loan, title loan, or personal loan

I have a title loan. During Georgias stay at home order, the company reduced days of opening to knit 3 days. They then refused to come up with alternate payment that would be safer during the COVID. The only way you can make a payment is with cash and in the store. I explained repeatedly that I had a daughter with a XXXX XXXX and I did not want her subjected to the virus and would not touch money or come in their store. I offered to pay with debit over the phone which they refused. Now they want me to refinance and sign a new contract with daily late fees which I refuse to do. I want to pay this loan off which I have paid off three times over at this point. These companies pray on people and steal from them. It is legal theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries that I do not recognize. Please see the attached form.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act Account the following credit reporting agency named Experian has violated my rights. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy deleting inaccurate information My current and only address is : XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX I will attach proof of address and also my ID. 

these addresses are inaccurate and incorrect : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

To whom it may concern, I am writing to formally file a complaint regarding my experience with the Wells Fargo XXXX XXXX XXXX XXXX credit card, which I opened on XX/XX/year>. After being pre-approved for this card, I used it without issue for approximately three weeks. However, shortly before my first statement was issued, I encountered unexpected restrictions on my account, leaving me no way to use the card anymore. 

Over the course of this issue, I made at least five phone calls to Wells Fargo in an attempt to resolve the matter. Each time, I was advised to wait for further communication via mail. Eventually, I received a letter requesting a 4605c form, which I promptly submitted at a local branch. Despite my timely compliance, my account was closed on XX/XX/year>. 

Later, I was notified that the account closure was due to a discrepancy between the income I provided during the application and my reported income on last year 's tax return. I would like to clarify that my declared income, approximately {$40000.00} as evidenced by my W-2 and 1042-S forms, was accurate and matched the information I provided during the application process. 

Unjust Charges : Annual Fee : It is unacceptable to be charged the {$99.00} annual fee when my account was restricted within the first month of opening and subsequently closed by Wells Fargo for what I believe to be an unjust reason. 

Interest Charges : Additionally, my account was closed on XX/XX/year>, prior to the payment due date of my first statement. Following the account closure, the card was removed from my online account, leaving me with no way to make the payment before the due date. I only received a letter explaining how to make the payment several days after the due date had passed. Therefore, it is unreasonable for Wells Fargo to charge me approximately {$50.00} in interest under these circumstances. 

I am requesting that Wells Fargo reverse the annual fee and interest charges, as the situation was entirely beyond my control due to the account restrictions and subsequent closure. 

I trust that Wells Fargo will handle this matter fairly and look forward to your prompt resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

Despite my continuous efforts to dispute and correct the late dates associated with my account, there has been a complete lack of resolution from your end. 
I insist that you conduct a thorough review of my dispute and rectify the inaccuracies promptly. The payment was made within the stipulated time frame, and I expect the credit report to accurately represent this fact. 

The account in question is as follows : 1. Creditor Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/2017 I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and the inclusion of inaccurate information on my credit report is a direct violation of those rights. I demand that you remove the inaccurate late date associated with the account mentioned above within the next 15 days.
Product: Credit card

I never opened this account, they say i did, but I had a identity alert on my credit they were suppose to verify my identity ( like everyone else does ) they did not. 


its XXXX dollars, I finally said XXXX it i would pay it, talked to a rep several months ago who said they would do a pay for delete ( which is 100 % legal ) the next rep i talked to denied that request saying that was an illegal act. 

Pay for delete is a 100 % legal option, its XXXX why exactly would they refuse to take my money? unless it is a 100 % scam and they know I have never signed up for what ever they offer ( I am still unsure of who they are as they never sent me any requested information )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan that has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached 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 closed accounts. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud I have attached A copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal trade commission that all of the aforementioned consumer credit INFORMATION HAS BEEN REPORTED and needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. They are in violation of 15 USC 1681a ( XXXX ) ( b ). As you may know, this law prohibits or excludes any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. As a result of the credit reporting agencies not abiding by the laws that empower the consumer, I have been constantly denied credit. Thank you for your manners in addressing my dire situation.
Product: Credit reporting or other personal consumer reports

I recently revoewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove this accounts from my report, they are hurting my hability to obtain credit
Product: Credit card or prepaid card

On XX/XX/XXXX I went on to my XXXX XXXX  XXXX website to pay off my card. I had previously submitted 5 other payments with my XXXX XXXX XXXX account and they were all successfully taken. However, on the same day XXXX XXXX  XXXX rejected my payment method stating that my bank did not support this type of payment. Which I found to be absurd and was untrue because I had other cards that I also paid off in full with this same XXXX XXXX XXXX XXXX account and they were all successfully accepted and paid. I called in on XX/XX/XXXX and again tried to resubmit my payment with the same XXXX XXXX XXXX account. Again on the same day they rejected it. I went on line XX/XX/XXXX and tried to submit another payment. I attempted to submit the total amount of {$390.00} to pay off the card. I then received an email on XX/XX/XXXX stating my {$25.00} payment was accepted. 
So on XX/XX/XXXX I went back online to pay my {$390.00} payment. I was rejected stating I need to pay {$360.00} because the amount of {$390.00} was greater than the current balance owed. I went ahead and submitted {$360.00}. On XX/XX/XXXX I received a text from my banking institution stating that I was negative in my account. It was because the XXXX XXXX XXXX went ahead and charged me twice for the amounts of {$390.00} and {$360.00}. I was upset and concerned. I called my bank institution and advised them that the amount of {$390.00} was unauthorized and did not know how or why this was charged because their website clearly stated it would no charge me. My bank in turn returned both payments of {$390.00} and {$360.00}. I went ahead and paid off my XXXX XXXX on XX/XX/XXXX in the amount of {$380.00}. 
Today ( XX/XX/XXXX ) I went on to ensure that this payment was successfully paid and taken to find out they closed my account because of to many returned payments. I contacted their representative via Live Chat and was told that because I have returned too many payments, the account is now considered closed. I am highly upset. I am in the process of trying to get pre-approved for my very first home loan. Improving my score has been a 2 year struggle and battle that I am excited to say has now paid off. The fruits of my labor have been a long trying journey. I have never been late on any card. Paid off on time what I could and now that XXXX XXXX XXXX is closing this card they are hurting my XXXX XXXX, for closing my card at no fault of my own. It was not my doing that they double charged me or that they would not accept my XXXX XXXX XXXX XXXX account. Now I have to pay the consequences of having an account closed which has had impeccable payment history for the last year and has even been paid off in full twice! I am requesting for them to retract the closure of this account or if it can not be done for them to completely delete the entire trade line off all three credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. This is my 2nd attempt reaching out to the bureaus making corrections to updating my personal information. Please remove all addresses EXCEPT current address XXXX XXXX XXXX XXXX XXXX, Tx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act 15USC 1681 section 602 section 8 States I have a right to privacy And 15USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish my acct without written instructions. 
Info : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Complaint to Experian, XXXX and 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 XXXX XXXX XXXX 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

Theres a open complaint that is still being investigated filed against XXXX XXXX with Consumer Financial Protection on XX/XX/21 or XX/XX/21, complaint # XXXX. I received another denial letter from LendingUSA that stated XXXX XXXX XXXX  has denied me due to the number of inquiries, number of finance loans and my credit score is XXXX on XX/XX/21. Due to the improper denial by XXXX that is being investigated, LendingUSA is checking other bank without my consent and they are currently running my credit report with information that will show numerous of inquiries and open loans due XXXX denial. Also my credit score has dropped since the XXXX denial. My credit score that they provided to me in writing was XXXX  with XXXX  and currently the credit score is XXXX. I have not given XXXX or LendingUSA permission to pull my credit report again! XXXX or LendingUSA if they are affiliated should use the credit report that they pulled on XX/XX/21 or XX/XX/21 ( at the time the truth & lending agreement contract was signed or before when I first applied for credit. The finance inquiries that XXXX XXXX XXXX  is denying me per Credit Bureau reporting is inquiries & open loans wasnt on my credit at the time XXXX approval and it wasnt on the day I signed the agreement. As I mentioned before in the complaint, XXXX was the very first loan that I signed. I did not go with any other Banks until days or week later. It appears that XXXX XXXX LendingUSA is trying to search for other banks now and running my credit ( which will result in denials now due my credit score has dropped & inquiries & open accounts which is almost paid off ) to cover themselves for wrong denial. LendingUSAXXXX XXXX XXXX  is denying me based on recent information reporting and not with the information they obtained between XX/XX/XXXX-XX/XX/XXXX when my credit was pulled. My credit score dropped as soon as XXXX did a hard pull which was during that time period. LendingUSA need to stop pulling my credit report!
Product: Credit reporting or other personal consumer reports

Tranunion credit repor continue have accounts doesn't belong I'm being denied for any lines credit I'm being denied for housing these companies never say reason exqufax nor XXXX  always tranunion whom has XXXX accounts showing over XXXX on auto loan this account doesn't belong L refuse l make payments on accounts doesn't belong l feel like I'm being forced to make payments on accounts doesn't belong l have applied XXXX credit with XXXX years while making on time payment denied due tranunion errors after l depute accounts last over 90 days then l t Receive a letter stating theses accounts were removed then following months been reattached which not fair due to creditors hasn't given proof only the amounts l trued reached out to creditors whom stated information there bein pulled it matched my information from credit bureau. I asked why your not have lean nor garnishedment due to these companies doesn't have information. Company called XXXX auto over XXXX. Balance I'm not able too get Housin anywhere in my name then l have XXXX XXXX XXXX XXXX whom stated there information is same dont have any proof XXXX XXXX stated they advised tranunion removal but continue found on my credit report the letter attached below shows given reasons tranunion credit report
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. 

Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I the consumer submitted a 1099a on XX/XX/year> to the I.R.S on a auto loan with Navy Federal Credit Union and have yet to receive my copy of the 1099 and 1099 OID to properly do my personal taxes for the Securities that were created on my behalf. 

See Attachments