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

This is my third 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX Balance : {$880.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$99.00} XXXX XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$880.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$99.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The XXXX XXXX listed on my credit reports are KNOWINGLY committing securities fraud against my SSN. They are filing IRS forms ( XXXX 's ) on my behalf and are not providing the proper IRS documents for me to file my taxes PROPERLY as they are considered INCOME! They are not performing their fiduciary duties as stated in the XXXX XXXX agreements and the XXXX XXXX XXXX agreements that they signed. Their deceitful and deceptive practices of fraud have caused I and my family grave XXXX XXXX XXXX XXXX XXXX while they are enjoying the fruits of the fraud!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act : The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account  # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account  # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Credit reporting or other personal consumer reports

In XX/XX/year>, I received letter in the mail from my bank regarding unauthorized transactions that were not commenced by me. I noticed inquires and a credit card account that had been sitting on my credit reports for a while. I found out immediately after being notified ad calling the companies connected to the accounts, and they confirmed that it was by a person I was previously dating. I called him and he admitted to the fault with ambiguity, vagueness, and lack of conviction. His actions have damaged my consumer reports by lowering my credit scores, causing credit accounts I've had with other creditors to be closed, and causing my credit limits with other credit card accounts to be cut and lowered by maxing out my accounts. I demand that the unauthorized accounts and inquiries being reported be block and removed immediately in accordance with section 605B ( 15 USC 1681 c-2 ) of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company violated my rights per the Fair Credit Reporting Acts- 15 U.S.C . Secs. 16811681x., 15 U.S.C . Sec. 1601 et seq., Pub. L. No. 108-159, 117 Stat. 1952.

I have never conducted business with them. I am not liable for this debt with them and I do not have a contract with them at all. They did not even provide me with the original application like I requested several times ( 5 ) now. I did not give them written permission either to report this to any credit bureau or add to my credit report. All I ever received was a generic email stating that this account has been verified and I asked how? No response ever given due to it being a generic email that they send to all their customers. I even called on yesterday to get this item removed and was told it could not be removed after being on the phone with them for almost 3 hours trying to reach a real person. I was transferred to almost every department in the company instead of the right one I requested, which was the fraud department. I think they use this tactic also just to get the consumer to just hang up and say forget it. This is not right at all to us because some of us are trying to buy a house, a car and even get a job that relies on you having good credit. The account and information is listed below. 

XXXX XXXX XXXX Original creditor : XXXX XXXX  Balance details 0 % paid off Balance {$6200.00} Balance updated XX/XX/XXXX Original balance {$5200.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department
Product: Credit reporting, credit repair services, or other personal consumer reports

To Experian XXXX XXXX : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified. I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making. The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Product: Credit reporting or other personal consumer reports

his is a Navient Problem! Passing off the problem to the new servicing agent does not fix the Navient incorrect reporting. The issue is during when Navient was servicing the Loan. See attached file. You are in violation of the law! As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, you are not allowed to propagate misleading information. Currently Navient is knowingly making false and misleading statements about my student loan debt. As per the XXXX Emergency Relief and Student Loan guidance from the Department of Education ; all Department of Education owned loans are suspended from payments, collections and default from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. This is solidified in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( P.L. 116-136 ) and invocation of the Higher Education Relief Opportunities for Students Act of 2003 ( HEROES Act ). Based on these acts the Department of Education put for the following policies : Accrual of interest on ED-held student loans and certain non-ED-held student loans was suspended from XX/XX/XXXX, through XX/XX/XXXX. ED-held loans were placed in a special administrative forbearance ( payment pause ) for XX/XX/XXXX, through XX/XX/XXXX. During this time, borrowers were not required to make payments on their loans. This special administrative forbearance counted toward the 120 monthly payments required to qualify for XXXX XXXX XXXX XXXX ( XXXX ), the maximum repayment periods under the income-driven repayment ( IDR ) plans, and the nine voluntary payments required for individuals to rehabilitate their defaulted loans. Debt collection activities, including involuntary collection activities such as wage garnishment and offset of certain federal benefits ( e.g., Social Security benefits ), were suspended on ED-held student loans for XX/XX/XXXX, through XX/XX/XXXX. Multiple rules related to the 120 monthly payments required to qualify for XXXX were waived. A one-time revision was made to the accounts of borrowers with ED-held loans to provide credit toward the XXXX plan maximum repayment period for any months in which they were in repayment status and for specified periods of deferment or forbearance. My Navient student loans were owned by the Department of Education ( proven by the Department of Education XXXX approval ). As per court order ( CFPB vs Navient XXXX ) Navient has been banned from servicing student loans based on decades of systemic predatory and deceptive practices, my loans have been moved to another servicing agent. Navient is no longer responding to my verification requests. Navient is still responsible for removing incorrect and inaccurate reporting information on my credit report, in accordance with federal law and the FDCPA. As per CARES Act and HEROS Act any and all Navient late payment information from XXXX XX/XX/XXXX through XXXX XXXX is inaccurate and incorrect. Any and All late payment information from that time period needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX Credit Inquiry Dispute - Removal of misleading information Dear, TransUnion Consumer Solutions, I am writing to dispute certain credit inquires listed on my credit report, which I believe contain misleading information. These inquires were made by XXXX XXXX, XXXX XXXX and XXXX. I have already contacted these companies, and they have acknowledged that the information in question is fraudulent. They have taken the necessary steps to delete this information from XXXX and XXXX. I kindly request that TransUnion takes similar action and removes these inaccurate entries from my credit report as well. I have always been diligent in managing my financial affairs, and it has come to my attention that the inclusion of these fraudulent inquires on my credit report is significantly impacting various aspects of my life, it is crucial for me to maintain an accurate credit profile. 


To support my dispute, I have included the following relevant details : Creditor Name : Factual Data Date of Inquiry : XX/XX/XXXX Account Number : No Account Creditor Name : XXXX Date of Inquiry : XX/XX/XXXX Account Number : No Account Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Number : No Account
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports in XX/XX/XXXX, I requested assistance in resolving continued negative credit bureau reporting that my loan is both 120+ days late, in collection or other negative reporting, all while being discharged under the TXXXX XXXX XXXX XXXX ( XXXX  ) in XX/XX/XXXX, with a current XXXX balance due indicated. 

My XXXX  XXXX XXXX account, listed by the credit bureaus, continued to report false information, while the credit bureaus claim is the direct results of updates from XXXX  XXXX XXXX. It is being reported that my account is 120+ days late in XXXX ( XXXX  ), after the XXXX XXXX  XXXX XXXX ( XXXX  ) discharge process in XX/XX/XXXX. 

My U.S. Dept of Edu account, listed by the credit bureaus, continue to report false information, while the credit bureaus claim is direct results of updates from U.S. Dept of Edu. It is being reported by Transunion, XXXX  & XXXX  that my account is 120+ days late in XX/XX/XXXX. The XXXX  status under XX/XX/XXXX is " CO '' and under XX/XX/XXXX is " 120 ''. All of this, after the XXXX XXXX XXXX XXXX ( XXXX  ) discharge process in XX/XX/XXXX. 

After attempting to find a solution by contacting numerous entities, I was unable to achieve a clear or timely response as to the responsible department ( s ) for reporting a veterans credit status, post-approval of the XXXX XXXX  XXXX XXXX ( XXXX  ) discharge process. 

Offices contacted include : Dep of Edu XXXX XXXX XXXX XXXX ( prompt XXXX w/SSN ) XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX XXXX ( prompt XXXX w/SSN ) Debt Mgmt XXXX XXXX XXXX XXXX ( prompt XXXX w/o SSN ) I look forward to this matter being completely resolved by the immediate correction/update to my Transunion, XXXX  & XXXX  ; where this reporting is in error. 

Respectfully, XXXX XXXX veteran Thursday, XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my behalf. After reviewing my credit record, I found several instances of late payments. Despite sending multiple letters over 30 days ago, I have yet to receive a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this issue.
Product: Debt collection

XXXX, XXXX is a debt collector that is attempting to collect a debt that is not mine. XXXX, XXXX has purchased the debt from another debt collector DIVERSIFIED CONSULTANTS , INC . I have never given any information to or signed any contracts with XXXX, XXXX XXXX, XXXX inquiries into my credit file has had a negative effect on all XXXX credit scores and has prevented my ability to apply for a line of credit.
Product: Checking or savings account

Unauthorized ATM withdrawals were made on my account starting XX/XX/XXXX-XX/XX/XXXX. 20 total unauthorized transactions were made in the total of {$2000.00}. My debit card was never lost or stolen, and was always in my possession. On XX/XX/XXXX I received an alert on the chase app that someone withdrew {$200.00} from my account. I immediately got on the app to find 19 similar transactions, which were under {$120.00} so i didn't get any alerts ( default settings ). I also got an email from chase because they suspected fraud on my account because the person got declined twice. I then called Chase and opened a fraud claim, and cancelled the card. Chase gave me a temporary credit and informed me they would do more investigation. A few weeks later they reversed the credit. I called the claims department, and the claims department lead began to tell me that they couldn't prove that it was or wasn't me, therefore they will not reimburse me. Not only will they not reimburse me but they wouldn't even tell me the product of their investigation. The person who made the transactions made them in XXXX  XXXX, I've never used the these ATM 's. 

Since then I have filed a police report, reported identity theft with the FTC and I am in the process of trying to get the video evidence from the ATMs they used to prove it wasn't me. 

I am a Vet and hold a Veterans account with chase and have been with chase for about 7-8 years. This is completely unethical and should be against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. The coding on this item is incorrect and stuck in past due status. This is a F.C.R.A. violation and is mandated to be corrected and/or completely removed from my credit report. This false reporting of lates is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to Privacy. 15 USC 1681 Section 604a Section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

On XX/XX/2021, I made a purchase in which the seller claimed they sent me items I paid for more than a month. I filed a claim with PayPal Credit and was informed that I have a credit in the amount of {$540.00}. 

On XX/XX/XXXX, I contacted PayPal Credit and they had me jumping through hoops to get my money back. I spoke to a manager, who identified himself as XXXX. He informed me that I had to provide a number for him to send me a link for verification. I provided him the number. Then he said that I would have to take a video of myself before I could get my money. 

This is the most ridiculous process for anyone to get his/her money back. I should not have to be subjected to taking videos of myself to get what is owed. I demand that they credit a better system for account/identity verifications. This process is quite invasive and draconian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong information my account some old accounts over 7 years old and hard inquires need too come off.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear CAINE WEINER, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), XXXX ( a ), and the XXXX XXXX XXXX under Sections XXXX and XXXX, as well as Texas Penal Code Section XXXX XXXX which pertains to identity fraud. 

It has come to my attention that CAINE WEINER has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section XXXXb ( a ) ( XXXX ), consumer consent is a legal prerequisite for such activities. 

Furthermore, Texas law under Section XXXX of the XXXX XXXX Code prohibits the reporting of consumer credit information without proper consent. Additionally, Section XXXX provides specific regulations to ensure fair and accurate credit reporting practices. XXXX  XXXX Code Section XXXX, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information. 

I have not provided consent for CAINE WEINER to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers. 

I hereby demand that CAINE WEINER immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section XXXXb ( a ) ( XXXX ) and the relevant provisions of the XXXX XXXX Code ( Sections XXXX and XXXX ). If this issue is not resolved within XXXX XXXXays, it will be considered a willful violation of the law, subject to penalties, including those outlined under XXXX  XXXX Code Section XXXX for identity fraud. 

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring CAINE WEINER into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices. 

This notice is given in good faith with the expectation that CAINE WEINER will swiftly correct these violations and respect my rights under the law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, 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 : I
t also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I travelled and honestly forgot to pay my PNC BANK FLEX credit card for over 30days and i was reported to the credit bureau which has continually negatively impacted my credit despite the fact that i have since paid off the card and i have consistently paid off all balances until then and afterwards. 
I wrote to the bank but they insisted there was nothing that could be done. 
i am passionately appealing for the removal of this reporting on my credit so as to boost my credit. 

2.I moved from XXXX to XXXX and it took a while for me to return the equipment to XXXX because of the out of state credit they promised. I eventually paid off what i owed them but they had reported me,. I filed a dispute with the credit union and i would like that report taken off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.