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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS is NOT a DUPLICATE dispute Experian you state remaining account there is no remaining account that was false reporting to CFPB. enclosed is a fax I sent to XXXX /XXXX XXXX to whom you are reporting that states they do not own account. in my fax I stated that you Experian are pointing the finger at XXXX, I then phoned XXXX  and talked to them about your actions they were not happy stating again they do not own account .CFPB I have shown a clear case of credit reporting fraud and credit manipulation a violation of FCRA { Experian remove this account at once I am not asking for an investigation thats been done and all facts lead to you as fraudulently reporting inaccurate information as to credit manipulation. you are still reporting NON owner on credit report as of today
Product: Debt collection

My Navient student loan account was put on deferment from XX/XX/XXXX through XX/XX/XXXX. I asked for the deferment as I was laid off due to the pandemic and provided Navient with a copy of my unemployment letter and severance letter. I received the attached letter from Navient advising that I was approved for the deferment and the dates above. I was told that I would received an updated payment scheduled before the end of the deferment period which I did not receive. The document did not contain any caveats which were most recently communicated to me over the phone by a supervisor. The Supervisor advised that my deferment for the referenced account was cancelled because I returned to school in XX/XX/XXXX. My return was with a new loan and should not have had any impact on the existing deferment arrangement. 

Out of nowhere in XX/XX/XXXX, my account was reported at 90 days past due from Navient on my credit report. When I called the agency, I was given the run around as everyone was working remotely and I could not get in touch with anyone higher than a supervisor. I provided them with the letter they provided me, which is also listed in my customer portal. 

I never received a phone call or letter in the mail from Navient advising that the deferment had ended or that I was past due at any time. 

Fast forward, I was only made aware of the delinquency when the 90 day hit my account one week before I closed on my new home. The delinquency caused me to close on the home later than scheduled, my interest rate was increased as well. Additionally, as a result of the delinquency I was declined for a Parent Plus loan for my daughter and this has put her ability to continue with college in jeopardy. I have had my Navient account for 20 years and I have NEVER missed one payment!!!! I had a XXXX credit score at the time of the delinquency reporting.

Naviant has advised that they do not need to contact Customers by phone or in writing when they are past due. They advised that Customers should log online to verify their account status.

Additional issues with the company include : 1 ) My account was placed in e-enrollment without my approval or knowledge.

2 ) Naviant changed the mailing address on my account without notifying me of anything. They advised they received a notification from a central database. Are companies able to do this without confirming with the Customer? I am unsure what address they updated and used as I have not received any communication until I sent my complaint letter.
3 ) I have attached the letter which states my account is in deferment until XX/XX/XXXX. The letter does not have any exceptions or conditions. Based on the pandemic and state of affairs in the world I accepted and appreciated the deferment period.

4 ) I have been unable to speak with anyone in management.

5 ) Upon knowledge of the matter, I quickly resumed payment. I would appreciate the delinquency be deleted effective immediately.
Product: Credit card or prepaid card

It has come to my attention that Discover Card has been charging me for an OPTIONAL Payment Protection membership without my knowledge or consent since XX/XX/XXXX despite being a customer since XXXX. As you can see from the attachment, their records only go back up to 24 months, and there is no such payment for late XX/XX/XXXX. I have never received any information about this so-called Protection plan in XXXX. I have attempted to cancel the membership today, XX/XX/XXXX, through their website and will see if they will indeed cease these unnecessary monthly charges. It is my understanding that Discover has been previously sued and penalized for this sort of shady, greedy practice, but the program still exists in a way where customers seem to be automatically enrolled into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX Inquired on XX/XX/XXXX, JPMCB - CARD SERVICES Inquired on XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud Alert added to report. Suspicious inquiries reported to credit report ( XXXX  ). contacted credit bureau to have removed. 
Also collections reporting in violation of my consumer right and the Hipaa laws.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After graduating I received tons of phone calls concerning loan forgiveness, lowering payments, etc. a company called XXXX XXXX XXXX  called and used scare tactics to get me to sign up with them. They told me my income driven repayment, which due to my age and low XXXX income were {$0.00} at the time, was going to go up to $ XXXX  monthly This terrified me as I only receive $ XXXX  monthly. So, I signed I up to pay them $ XXXX   monthly for 25 years. I am in a mortgage program with the XXXX XXXX of which I am a tribal member. I paid Equitable for approximately 2 years. Then on my last visit with my mortgage counselor, he told me that company was a scam and to quit paying them and to also call the Federal Trade Commission about them. I came home and called the FTC and quit paying Equitable. When they did not get their next payment they called me. I told them why I had quit paying them and the lady hung up on me. I didnt hear anything else till last week when I received an email from a company called XXXX XXXX telling me I had ten days from the date of that email to contact them regarding my debt to Equitable. I called the number and got voice mail. I left a message and never got a call back so I called again a few days later and left another message and still got no response. Since then, I have emailed them 3-4 times requesting a way to contact them to no avail. In the meantime, they reported this to the credit bureau which caused my credit score to drop dramatically damaging my ability to get a mortgage. My student loans are in the process of being forgiven and that should be finished in about 45 days. XXXX told me that once theyre forgiven my loans will show a XXXX  balance so will improve my credit score and I should be able to get my mortgage. However, XXXX XXXX And Equitable are still on my credit report. The FTC said you might be able to help me with that company and getting that off my 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Debt collection

Ive been disputing this collection account for months now, I asked national credit systems to validate the debt, they only sent a lease agreement. Nothing showing that are able to collect this debt, meaning that the debt was assigned to them, nor does the XXXX that they sent me include the amount owed thats being reported. They are reporting that I owe is XXXX. According to collection laws If the debt collector does not verify the debt, it is not allowed to continue collecting the debt from you nor can it sue you or list the debt on your credit report.
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. Account name : XXXX  XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX  XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

I was in a car accident and my car was totaled, I had XXXX XXXX XXXX and spoke to my rep repeatedly. She knew I was in the accident and no longer needed the insurance and still charged me for a month of service I did not have a vehicle after I dropped the insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Corp sent correspondence to my residential address violating FDCPA after being told DO NOT CONTACT me. Credit Corp flagged my complaint ( XXXX ) as a duplicate complaint to complaint ( XXXX ). Complaint ( XXXX ) provided specific violations of Metro2 such as, reporting data on my credit report as a credit grantor when Credit Corp is a debt collector, providing credit limits, terms, payment, utilizing comments within credit report, credit history/ratings, original charge-off violations. FCRA violations, NO FCRA date, falsifying FCRA dates by not aligning with payment history and failure to report alleged debt as medical. PLEASE DO NOT delete this complaint and review the supporting documentation attached that specifically calls out all credit listing violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE XXXX XXXX OFF THE ACCT AS AUTH USER : SS # XXXX ACCT # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX  XXXX Date Opened XXXX XXXX, XXXX Balance {$1000.00} ; XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$76.00} ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$490.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$570.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00} ; XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach, resulting in unauthorized accounts and inquiries appearing on my credit report. In compliance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent accounts and inquiries : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

There has been several hard inquiries being reported on my credit report that I do not recognize nor have authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX  - Account Number:XXXX XXXX
Product: Payday loan, title loan, or personal loan

In XX/XX/2022 I had applied for an XXXX business line of credit, XXXX uses Synchrony Bank to underwrite this line of credit and issue the finances accordingly. 

In order to improve the odds of my XXXX business line of credit approval, I offered a personal guarantee in my XXXX XXXX application because my credit score is over 800 and I have exceptional odds of approval, 100 % typically. 

Without ever reaching out to me for more information, Synchrony Bank denied my line of credit and sent me a rejection letter stating that they were unable to verify my personal identity .... but how can the underwriters not verify my personal identity when my name, dob, social security number, telephone number, address, and e signature are on the application? Why didn't the underwriting department reach me directly to verify instead of denying? 

I of course contacted them to address the issue and told them that there is proof that they RAN my credit report the day of my application, so how can they run my credit report with my name, dob, ss #, address, phone number and esignature yet not verify my identity? 

The Bank refused to rescind the credit inquiry that they messed up and now I have an inquiry causing me negative impact to my credit report because they did a hard inquiry and then rejected my application after their representatives failed to do the underwriting correctly. 

I filed a PA attorney general complaint to address this issue with Synchrony Bank as they refused to amend their negligence ... instead of contacting me using the number or email provided in the complaint, which is also in their records for the XXXX XXXX and a XXXX XXXX, ( so provided correctly 3 times ), they replied three months later stating they attempted to contact me via my old phone number which I never provided them on any of these applications... So they refused to mediate with me, refused to amend their mistake and have caused me damages by virtue of negative credit impact due to their mistake. 

For further insight, in the same month I also applied for a XXXX XXXX who also use Synchrony Bank and I was approved for {$2000.00}, they performed the exact same underwriting procedure for both LOCs, just one they messed up and refused to fix their mistake. 

I have recordings of their agents refusing to accept responsibility and help me, and even caught lying on record, HOWEVER, the CFPBs limited file size of 10mb isn't large enough to permit attaching to this complaint... I offer it in an auxillary email attachment as needed, please ask me for it, I'd love to send it over to the CFPB for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am reaching out for help as i was a victim or identity theft.. I have a family of 4 and have been attempting to get erroneous account removed off of my XXXX and XXXX credit report for years now. Please see the below listed experiences that someone has fraudulently open with my information listed in no specific order. 

XXXX : XXXX XXXX credit card charge off of {$800.00} account opened fraudulently XX/XX/XXXX XXXX XXXX is reporting an account that was listed in a XXXX bankruptcy and must be removed from all reporting per the FCRA ss 609 laws. 

XXXX XXXX XXXX was an account that was also listed in a bankruptcy in XXXX and again must be removed from all reporting per the FCRA ss 609 laws. 

XXXX : XXXX XXXX XXXX XXXX is reporting fraudulent auto title loans bills listed as purchased debt of {$690.00} for an account that was opened incorrectly as per the identity theft case listed for XXXX  and must be removed from all reporting per the FCRA ss 609 laws XXXX XXXXXXXX XXXX is reporting fraudulent medical bills listed as purchased debt of {$500.00} for an account where i have never even visited as per the identity theft case listed for XXXX  and must be removed from all reporting per the FCRA ss 609 laws XXXX  and XXXX  has both listed bankruptcy 's listed on my report that have been discharged since XX/XX/XXXX. They are also reporting a duplicate bankruptcy as well which dated XX/XX/XXXX which is impossible granted the 7 year mandatory resolution time. The bankruptcy was never even filed and needs to be removed per the FCRA ss 609 laws. 

As part of the identity theft during the same time period there were countless hard inquiries made into the XXXX  and XXXX platform for people attempting to obtain credit cards per the FCRA ss 609 these are fraudulent inquiries and unverifiable and must be removed immediately.

We have spent countless hours and money attempting to work with these reporting companies only to get no help. 

Please help resolve the matter at your earliest conveinence.