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

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Items left that need to be removed or deleted. Per FCRA section 605 you are required to remove these items. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy 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.

( 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; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : 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

There are several items that are reporting inaccurately on my credit report : INCORRECT PERSONAL INFORMATION : Names : XXXX XXXX Address : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Address : XXXX XXXX Hwy XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX XXXX XXXX & Equifax ) THESE ITEMS DOES NOT BELONG TO ME. IT IS REPORTING EITHER IN ERROR OR BY MEANS OF IDENTITY THEFT : XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX & Equifax ) ; Status states Included In XXXX ; UNKNOWN - Collection Account ; Opened : XX/XX/XXXX ; Bal : XXXX ( Equifax ) UNKNOWN - Collection Account ; Opened : XX/XX/XXXX ; Bal : XXXX ( Equifax ) XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; Opened : XX/XX/XXXX ( XXXX & Equifax ) ; Bal : XXXX INCURRATE REPORTING OF PUBLIC RECORDS : BANKRUPTCY - CHPT XXXX -FILED XXXX The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX ( 2 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 TIMES ) SCREENING REPORTS XXXX XXXX XXXX ( 2 TIMES ) XXXX ( 2 TIMES ) XXXX
Product: Student loan

This complaint is in reg ards to Navient recommending practices of loan repayment that are poor for both the U.S. governme nt in reducing debt and for the borrower. My current interest rate is at such a high rate that I am paying approximately {$820.00} a month in interest. Recently I re-enlisted in t he " Income Contingent Repayment Plan ''. During the course of my conversation with th e individual it was recommended that I seek another repayment option if my current plan was too high. He said that my monthly bill would go below {$400.00} per month. At that rate I would add over {$400.00} a month onto the principle once the interest is capitalized. the overall amount of money borrowed to go to school is already greater than what I actually borrowed. This is not a new tren d for Navient or in general  any student loan servicer. At that rate the overall student loan debt would continually increase across the board. These practices will lead to a student loan bubble collapse that could exceed  XXXX   XXXX  dollars worth of financial damage. Also during those interactions, I discovered that they have an automated system once I submit my application for income contingent repayment that removes my payment during the 15 day processing time frame and places me into forbearance. Because I have automatic repayment from my bank account I am given a reduced rate of 7.0 % from 7.25 %. However, because my payment is put into forbearance I have an increased rate up to 7.25 % for those 15 days. On average that me ans that Navient will make a n extra {$100.00} on my account. While that amount in general is not substantial to me, when it is expanded out to the number of people who have to submit applications for income contingent or income dependent plans the number grows to several  XXXX . Then, when you expand that out to the minimum repayment  of 15-20 years per plan it becomes evident that Navient is simply looking to increase profit against unsuspecting or unknowing consumers. I believe tha t this company represents a threat to the financial well being of this country, and they need to be handled accordingly.     Sincerely and looking to offer more insight into my dealings with this company,  XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX amount owed XXXX, i have call XXXX XXXX  repealtly and they will not give me no information on a item that they is reporting on my credit so i call on today XX/XX/2018 and the lady stated that they no longer in the account they it is sold to a collection agency and that i will have to dispute this account with the credit bureau in order from them to remove completely, because they states they no longer owns the account to report to be removed off my credit, so i asking all the credit bureau to remove off credit
Product: Debt collection

I hope you can help me. There is an account that continues to report in my credit file that actually belongs to my father. I don't know if its the bureaus not doing their job or this collection company that continues to report the incorrect information but it still appears on my file after disputing it several times. The company 's name is XXXX XXXX XXXX XXXX account number the bureaus are reporting XXXX and the company name where it originated was XXXX XXXX XXXX XXXX. I contacted them personally and they verified it did not belong to me and doesn't understand why the collection company would report this. Which also makes me question if the bureau actually researched the item.
Product: Debt collection

I have reached out to Credence to understand this alleged debt. They have failed to provide any proof or contractual agreement with my wet signature showing that I indeed owe this debt. There were two dispute letters sent in XXXX and XXXX of 2020 and one validation letter sent out this year asking for documentation of this alleged debt. they continue to report negatively on my credit report but as of yet honored my request. They sent a letter in XXXX offering a discount settlement but they have not sent my any documentation of this account. I found this to be very strange and fraudulent. They are illegally trying to collect money from me, and they are hurting my livelihood by reporting fraudulent information on my credit report. They are breaking the law and I take this very seriously. According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1681s-2 Reporting information with actual knowledge of errors. 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: Credit reporting, credit repair services, or other personal consumer reports

I was shocked to learn that BMW reported me as late on my credit. I leased a vehicle from BMW at the end of XXXX. 
The initial two payments were made at the dealership, and the first payment was due XX/XX/XXXX as I later found out. However, I didn't receive a billing statement for the month of XXXX, or XXXX I wasnt aware of the payment due date and thus made the payment 2 days late. Had I received the billing in a timely manner this wouldnt be an issue. 
Please correct the negative reporting as BMW failed to send me the initial statement in a timely manner. 
Over the years, I have leased several vehicles with BMW and have never been late. 
The failure to send a billing statement in a timely manner is the reason why the payment was made 2 days late. Please correct the negative reporting as this is impacting my mortgage process. I stand to lose my down-payment of XXXX if I can not obtain a mortgage, which resulted in XXXX point drop on my credit.
Product: Payday loan, title loan, personal loan, or advance loan

Against my better judgement I went to TitleMax that was located in my current residential location at the time in XXXX, Ga. Went through the entire process even as far as electronically initialing loan documents for the pawn and giving them my title to be told I was approved for the original amount of {$1200.00}. The approval amount was to be posted in my bank account after completion and submission of all required documentation electronically instead of doing an payout in cash. After not receiving the approved amount I reached out the following business day to ask what the delay was to be told by the representative that their system had been having issues causing payment delays but to be expecting my payment by the end of the business day. However the following business day after speaking with representative on the phone I received a letter IN THE MAIL stating my application was declined do to not completing my application for credit amount my title was approved for. Therefore they didnt submit any documentation which was the reason why I never received my payment and still kept my title an said I had to pay something back I never received. Also trying to repossess a vehicle that they never paid out the pawn for.
Product: Debt collection

This organization claims that they do not have written authorization to cease communications other than in writing. I will again send this information to them however, the representative said that she will continue to call until I provide banking information which will allow them to automatically withdraw funds from my account each month. I will mail the agreed payments to them however, she stated that is not good enough and she will continue to call because they do n't consider it an arrangement or agreement unless they can automatically withdraw payments from my account.
Product: Credit reporting or other personal consumer reports

Equifax Dispute Report Number # XXXX Equifax Agent identification : XXXX # XXXX ( XXXX ) I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA.

15 U.S code section 1681i-Procedure in case of disputed Accuracy. You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly.

The FRCA prohibits information furnishers from providing information to CRA that they know or have reasonable cause to believe is inaccurate. Section ( a ) ( XXXX ) ( a ) anXXXX XXXX Account # XXXX ( a ) ( 1 ) ( a ) Equifax is reporting duplicate account entries. 

XXXX. XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX. Responsibilities of furnishers of information to consumer reporting agencies
Product: Debt collection

Someone got hold of my credit card information and was using it when I found out I contacted the company right away and they closed the account and left me with a negative credit report
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting failing to comply to 15 USC 1692 ( g ) inaccurate and incomplete credit information.

I disputed these inaccurate items over 30 days ago and your agency failed to notate that it was disputed which makes your agency in violation of 15 USC 1681s-2 ( 3 ) 1.FDCPA Sec 807 Misleading False Reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXXXXXX XXXX XXXX XXXXXXXX Misleading False Reporting. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef Account name : XXXX  Account Number : XXXX Please investigate and delete from my credit report. 


XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef Account name XXXX  Account Number : XXXX Please investigate and delete from my credit report.
Product: Money transfer, virtual currency, or money service

IN my previous complaint # XXXX, Paypal responded that I can close my account. However, when I log in, my account maintain the restrictions so it is not possible to arrive to the menu Paypal mentioned in their previous response. Therefore, in order to close my Paypal account and then open a new one under a different email address in order to be able to use my XXXX bank account, I am kindly asking Paypal via this new complaint to close my account as the restrictions imposed by Paypal do NOT allow me to do it.
Product: Mortgage

Fairway mortgage gave all my personal information to who knows how many people and credit cards were opened under my name loans and bank accounts and my credit score dropped XXXX points as a result of this breach. They ruined my life.
Product: Checking or savings account

I opened a checking account with Ameris Bank on XX/XX/19, followed the step which is two monthly direct deposit of {$250.00}. the fine print said to have two monthly direct deposit of {$250.00} within 90 days upon account opening a {$100.00} bonus will be deposited to the account after 60 days, it's almost 90 days now, a bonus was not credited to my account. I call customer service several times action was not taken.
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 1681Collection Agency XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Collection Agency XXXX. XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Collection Agency XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Collection Agency XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602a states I have a right to privacy. 15 U.S.C 1681 section 604a 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 ) 7 ) 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: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4800.00}
Product: Credit card or prepaid card

On XX/XX/2023, a fraudulent balance transfer of {$5500.00} was made on my Bank of America Credit Card. BofA called me the same day, and I informed BofA that I did not initiate the balance transfer and it was fraudulent. I instructed BofA to deactivate my online account, send me a new card, and investigate the charge. 

Unfortunately, BofA denied the dispute twice -- once in XXXX, another time in XXXX after I asked to reopen the case. I sent BofA a written letter to dispute the charge in XXXX. As of XX/XX/2023, I have not heard anything back from BofA, and the fraudulent charge has not been resolved. I am seeking help from CFPB to resolve this issue.
Product: Checking or savings account

Approximately 10 months ago I contacted customer service numerous times over the course of a week. After unsuccessful attempts at an answer as to how to update my address to get a new debit card I was told what they had on the website was inaccurate. I then asked how to go about closing my loan with them because I could not access the checking or savings or even the investment account. They told me to send other documentation in order to do so. Ive been charged hundreds of dollars for their lack of response to close an account and are impossible to reach.
Product: Credit reporting or other personal consumer reports

Ordered XXXX XXXX ( XXXX XXXX ) XXXX ( Order # XXXX ) on XX/XX/2023 - never received it. 
Affirm Loan Services approved me for a loan ( Payment Agreement ID : XXXX ) to pay for the order listed above XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX {$27.00} Paid : XX/XX/2023 from my credit card ending in XXXX Affirm is STILL trying to withdraw payments from my credit card for this order ( that I never received ). Havent been successful in trying to contact XXXX XXXX. XXXX XXXX was a company that I found on XXXX and is obviously a scam. 

Affirm has tainted my credit report with a late payment because the payment that was due on XX/XX/2023 was not obtained from my credit card. Now my credit score has dropped XXXX points.
Product: Debt collection

Franklin Collection Services XXXX I called the company on XX/XX/2021 as I noticed the collection on my report to advise that it was not mine and I had no knowledge of account services in my name. I was advised to send an e-mail and to dispute online. I did those two things and filed a report with fcr. Account is still in dispute and investigating on all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Massive amount of fraud IDs scams frauding my documents and as business account and IDs scams and phones and internet scams frauding my documents. Federal and state not authorized Frauding scams national security clearance data Frauding scams IDs and accounts business frauding my VA mail and social security data and passport data Frauding scams frauding as medical scams Frauding scams using assortment of books and publication scams Herds frauding my documents as restaurants menu 's and food products Frauding saint XXXX XXXX XXXX XXXX XXXX Indiana ob Serial numbered documents of my birth certificate which is serial numbered attached to all my grade school documents and medical files and taxes and IRS pin and passport data ect Others wrecked my XXXX XXXX XXXX of XXXX  XXXX Indiana of XXXX country Indiana as others states counties and town and government and in ever state where they pulled that frauding scams frauding my XXXX country Indiana XXXX XXXX Indiana and family XXXX Indiana documents by the others state family 's and business.like they copied my grade school federal and state of Indiana permit and then copied all the adjoining data attached to the school by others states family 's after they copied the school
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Back in XXXX I was issued a lowes credit card with a credit limit of {$500.00}. Back in XXXX I made a purchase for a couple of fans. I then decided the fans were not necessary and contacted the store where I was supposed to pick them up and told them to cancel the order in XXXX. They did n't cancel the order until the XXXX. They where supposed to dispute the charges. In the meantime the charges still remained on my account and they were trying to make me pay for the said charges for product I did n't receive. Today I go to lowes and try to use the card and it did n't work. Turns out lowes consumer credit lowered my credit limit to {$100.00} with no notice over charges I disputed. I tried contacting them today and was hung up on by the representative. These people chargeed me {$35.00} late fees for items I did n't receive. Now I have a credit card with a {$100.00} limit which is damaging to my credit score because they just decided to lower my limit because of their negligence.