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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX, XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNT ON MY CREDIT REPORT, THESE ARE THE LIST OF THE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXXXX -- -- ->Date opened -- -- ->XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX -- -- ->Date opened -- -- ->XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- -- >Date opened -- -- -- >XXXX XXXX XXXX XXXX XXXXXXXX -- -- -- -- >Date opened -- -- -- -- -- ->XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXX -- -- -- -- >Date opened -- >XXXX XXXX XXXX XXXX XXXXXXXXXX -- -- -- -- >Date opened -- >XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXX -- ->Collection opened -- ->XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- >Collection opened -- >XXXX XXXX XXXX XXXX XXXXXXXXX -- -- ->Collection opened -- -- ->XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXX -- -- -- -Date Opened -- -- ->XXXX XXXX XXXX XXXXXXXXXXXXXX -- -- -- >Date opened -- -- -- >XXXX XXXX XXXX XXXXXXXXXXXXX -- -- >Date opened -- -- ->XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX -- ->Date Open -- -- >XXXX XXXX XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX, PA, XXXX Fraudulent Inquiries : SXXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Product: Checking or savings account

Would like to close Business Checking account effective today XX/XX/2020. 

We tried calling in but they were closed and online it wouldnt let us close it. We would not like to incur and additional fees and would like the account closed immediately. We just dont know if or when our business will resume.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$460.00}
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I filed CFPB Complaint ID # XXXX and XXXX against XXXXXXXX XXXX  XXXX XXXX XXXX and Equifax , because XXXX XXXX had improperly made a hard inquiry on my Equifax credit report in connection with a credit line increase request. ( The date of the inquiry is also XXXX. XXXX. ) XXXXXXXX XXXX took honest and ethical action by immediately agreeing to delete the hard inquiry from my Equifax credit report. As of XXXX XXXX, this hard inquiry still remains on my Equifax credit file. This is the second time that Equifax and one of my several XXXXissued credit cards have had issues " communicating '' concerning errors on my credit report, and each time Equifax blames it on the creditor, when it's Equifax who has consistent issues removing inaccurate data when requested -- and this time is no different. I have attached a screen shot directly from my XXXX XXXX Equifax credit file -- obtained directly from their website -- that shows the XXXX XXXX XXXX XXXX hard inquiry is still reporting, and thus negatively impacting my credit score. I believe Equifax has had sufficient time to remove this inquiry when asked to do so by XXXX XXXX. I have also attached the letter from XXXX 's that indicates they have requested the hard inquiry be removed from Equifax. I will not be caught in a back-and-forth game between the XXXX and Equifax, because each will undoubtedly blame the other for why the hard inquiry has not yet been deleted. I firmly believe, based on Equifax 's track record of failed investigations and improper management of consumer credit data, that it is them who bears the responsibility for this hard inquiry remaining on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for quite some time. I have a fraudulent and unauthorized credit inquiry listed on my XXXX and Experian credit report that do n't belong to me. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/2017
Product: Debt collection

Disputed with the company on XX/XX/XXXX. The dispute was sent by certified mail which shows the company receiving the documents on XX/XX/XXXX. It has been well over the 30 days the FCRA gives the company to respond. It is now XX/XX/XXXX and I have yet to hear back from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 my written instruction.

15 USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
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 : Acct Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct Number XXXX 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

So I purchased my car XX/XX/XXXX and the interest is so high I have barely made a dent in the principle loan amount. My car was repossessed in XXXX and I had to take a loan to get it back. And I have since and still have been struggling to make payments. Currently I am behind due to the pandemic and I believe I should qualify for the Santander settlement for relief however I was told I did not. Santander is effecting to harshly financially and I think I should never have been approved for the loan based on my credit at the time and already having a defaulted car loan.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS 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 Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB Client name XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was supposed to remove negative info from credit reports per the CFPB investigation they did not! XXXX XXXXl requested they remove and they did not " The original placements provided by our client were submitted in XXXX XXXX. Additional placements were sent in XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Each placement was followed by a letter to XXXX XXXX at the address indicated in the complaint. There has not been any returned mail received from these mailings. Each notification letter includes complete instructions on how to submit a dispute regarding the balance due. Additionally, despite multiple attempts to reach XXXX XXXX by phone there has been no positive response to any calls. He is claiming that XXXX has refused to accept payment arrangements but the file notes from XXXX indicate he would follow up with his insurance. There are no file notes between XXXX XXXX, XXXX and XXXX XXXX, XXXX when he disputed his credit report tradelines and XXXX confirmed the information to be accurate. As our client has requested the file be closed, the related tradelines will be recalled from XXXX XXXX credit report ''
Product: Debt collection

I had a wine subscription with the company XXXX  and cancelled it. They continued to bill me and send wine despite multiple requests to cancel the subscription. I removed my card information and talked to customer service, who recommended refusing the shipment if they could not stop it in transit saying I would not be charged for wine I did not received. 

About a year later, I received messages that I continued to owe on wine that was not ordered or received. I ultimately paid the amount {$180.00} again XX/XX/year> after they did not respond to multiple emails and threatened by mail to send to a collection agency. I can provide check images shown as deposited by XXXX. My thought was that the amount was small enough it was better to be paid again than deal with any credit collection issues. 

Unfortunately, XX/XX/year> I received a notice from a collection agency that I continued to owe this amount. I have reached out to XXXX yet again, and also the Credit Collection Services company at XXXX XXXX XXXX, XXXX MA XXXX. 

I can share emails and check images from my bank as appropriate ( I left them out here due to the note to avoid sharing personal information ). Thank you in advance for any support,
Product: Debt collection

The address they have on file is incorrect. I did not receive a letter confirming validation of debt. They have the wrong city on file and never received any letters from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

2. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

3. Identity Theft XXXX XXXX  Account Number : XXXX**** This is not mine.

4. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

5. Identity Theft BK OF AMER Account Number : XXXX** This is not mine.

6. Identity ThefXXXX XXXX XXXX  Account Number : XXXX**** This is not mine.

7. Identity Theft XXXX XXXX  Account Number : XXXX**** This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergont Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section XXXX It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX Reported XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/2023 XXXX XXXX Reported XX/XX/2023 XXXX Reported XX/XX/XXXX XXXX XXXX
Product: Debt collection

I keep receiving letters from transworld systems in regards to a debt that I was unaware of. I paid it the moment I became aware of it and called them on 3 occasions to report this and yet they still have not updated this. I am concerned they will mark my credit.
Product: Debt collection

XXXX from Navient, extension XXXX, called me at XXXX XXXX this morning looking for my sister, claiming I was listed as a relative. This is highly unlikely since my sister and I are estranged and I have seen her once in 15 years, at my fathers funeral. I called back and asked for a supervisor who attempted to tell me it was legal because it was public record. Calling at XXXX XXXX isnt legal and I have my doubts that calling others trying to find a debtor is legal either.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a credit card with XXXX and two credit cards with XXXX   XXXX I recently went to apply for a loan and was surprised to hear that  nothing was on my credit report. This came as a surprise to me given that I have credit cards and in the past had an auto loan. despite that my reports are blank. The only thing I can think of us is that my information is incorrect with the bank. I went over to both banks and in neither branch were they able to help me. I want to correct this and have my information reporting properly. Attached is a copy of my ID and social security.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are : XXXX XXXX XXXX XXXX XXXX Account Number # XXXX, XXXX XXXX & Account number # XXXX XXXX. There are several complaints on these accounts and it needs to be addressed are not complete and accurate. One more thing according to 15 USC 1681s-2, 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

I requested and was approved to submit a Private Student Loan Misconduct Application with Navient. My federal student loans have already been forgiven through the Borrower Defense to Repayment program due to widespread misconduct by The XXXX XXXX. Navient has been involved in multiple settlements for widespread, unfair, and deceptive practices in servicing and originating predatory student loans, particularly for for-profit schools like The XXXX XXXX. Despite holding onto my application for over 40 days, Navient denied it, stating : " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' However, they failed to provide a specific or valid reason for the denial. In my application, I attached my promissory notes, which showed incorrect enrollment periods, erroneous disbursement amounts, and missing authorized signatures from my loan officer, myself, and my mother, thus making the loans invalid. This appears to be yet another dishonest action from Navient to keep defrauded student loan borrowers indebted to them. There is overwhelming evidence of misconduct on the part of both Navient and The XXXX XXXX regarding these loans, and there is no legitimate reason my application should have been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXank account ending in XXXX settled showing unpaid. Case number XXXX settled for {$1500.00} as agreed.settled on XX/XX/2022 XXXX bank account numberXXXX settled in full for {$380.00} as agreed on XXXX XXXX
Product: Credit reporting or other personal consumer reports

Approximately XXXX weeks ago I contacted XXXX to contacted them to inquire who provided to them information relating to a Bankruptcy XXXX XXXX  filed at XXXX XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/year> ( Docket XXXX ), and their " information provider '' is G2 RISK SOLUTIONS CONSUMER CENTER. I have never provided any " information provider '' express written consent to share my consumer nonpublic information with any entity, and I hereby opt out of the sharing my consumer nonpublic information by an " information provider, '' such as G2 RISK SOLUTIONS CONSUMER CENTER, pursuant to 15U.S. Code1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and 16 CFR 313.7 ( f ), with all nonaffiliated third-parties, including, though not limited to the following : XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX. As of today, XXXX continues to illegally report this bankruptcy record, without and against my consent.