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

I applied for the loan but never received a full discloser on the full contract. I tried to lawfully discharge the alleged debt but Great Lakes Education Loan Services could not provide me with my original negotiable instrument or tell me where it is located. I asked them to either stop reporting I owe them or provide with the original contact they responded XXXX not with my lawful remedy. They plan on starting my monthly payments and I will sue for abusive debt collections ( 15 USC 1692 ) if they do not stop reporting to the three credit bureaus.
Product: Credit reporting or other personal consumer reports

recently I looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. Its my understanding that you will investigate these item for me to ensure accuracy here the item um asking you to verify as accurate XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand written instructions.
Product: Payday loan

I never applied for this loan and they are insisting I pay it. They are threatening me with jail time. I once applied for payday loans 4 years ago and settled and paid all that I received. This ACE cash services is insisting I pay for something I do n't owe. They are threatening me with a lawsuit. I know nothing about this. They have all my personal information and I believe this is fraud. I have an email that they sent me. How do I get this email to you? 

Please help. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called experian today ( XXXX, XXXX 2024 ). I dialed ( XXXX ) XXXX. I spoke to an agent on or around XXXX pm XXXX. I spoke to a female agent in the general dispute department. I asked to be transfered to the fraud department. She then asked if I want to add a security alert. I said no and expressed concerns about a security alert, and that I believe a security freeze is better. She responded " do you want me to hang up or transfer the call to fraud? '' It is inappropriate to ask a consumer " do you want me to hang up? '' That is unprofessional. I never used any profanity. I asked for her name and she refused to answer. 
She then put me on hold without my knowledge or permission. After XXXX ( XXXX ) minuets, she took me off hold, refused to give me her name and then transferred while I was still talking. I was then transferred to the fraud department and spoke to a male agent in XXXX XXXX on or around XXXX pm XXXX. After providing the agent my name, address, date of birth and social, he suddenly stopped talking and there was a long moment of silence. I kept saying " hello? ", " agent are you there? Hello? ", and there was no response. My phone was still connected to the call so I know my phone did not drop. This is unacceptable. I seek to hold experian accountable for its actions. 
Please sanction experian. See case complaint no. : XXXX In addition, I submitted this complaint with the BBB to make sure experian responds to this CFPB complaint with a meaningful response and not with a generic response. I also have all phone calls recorded as my evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX, XXXX CT, XXXX XXXX XX/XX/XXXX Chase Card Services XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX : XXXX checking account number XXXX and XXXX XXXX credit card number XXXX XXXX Dear XXXX Chase Bank XXXX XXXX XXXX is XXXX XXXX who has XXXX loyal customers for years. I was travelling in XX/XX/XXXX and came back to XXXX in XX/XX/XXXX due to XXXX travel restriction. After coming back to XXXX, I found out Chase closed all my accounts without notifications and justification in the middle of COVID-19 pandemic. Due to COVID-19, booking travel to redeem my total points of XXXX was not an option, so I made multiple attempts with chase sapphire reserve customer service and Chase promised me to redeem my chase points as a check to my XXXX  XXXX XXXX account. 
Unfortunately, when I called chase again on XX/XX/XXXX I was being told Chase will not issue me a check of {$1200.00} because the points were forfeited. I find it to be unacceptable because 1 ) Chase has the responsibility to at minimum issue customer a check for the points when Chase decided to close clients account without any justification. But Chase optimized the COVID-19 pandemic and defrauded a loyal customer reward value of {$1200.00} after customer paid {$2200.00} annual credit card fee ( XXXX per year for 4 years ).

2 ) The point expiration should be suspended for year 2020 due to Covid-19 pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested verification of a loan reflected on my credit report by XXXX. The dispute results come back verified, but the letter sent from XXXX states " We have received the material requesting to validate your debt. Unfortunately, XXXX XXXX XXXX does not service the education loan you referenced in your dispute. Therefore, we are unable to assist with this request. Please contact your current education loan servicer, XXXX, with the information provided ''. 

If they are unable to provide verification to me, how are they still able to report the account to the consumer reporting agency under the name and account number listed on the report and not provide verification. I have contacted XXXX and they advised me to contact XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX
Product: Debt collection

I called the original company who I had the debt with and was told I was no longer in their system and I should call the collection company. I called the number listed on my credit report for XXXX Collections but the number was no longer in service. Then, I noticed that this same open collection with XXXX was closed in XXXX 2015, on my credit report. I have never received any calls or letters from XXXX. I would XXXX to see if this can be permanently removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and transunion have XXXX XXXX posted as negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a capitol one card from 2017 that was paid off in full. But it still shows as a negative item on my credit report. The account is paid and closed as agreed and i would like the item removed off of my credit report. The account has been settled
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there are fraudulent and unauthorized inquiries on both my XXXX  report and XXXX  report. I am a victim of identity theft. The companies who fraudulently placed a hard inquiry on my report are XXXX XXXX XXXX XXXX, Credco and XXXX. 

These inquiries need to be removed or further action will be taken.
Product: Debt collection

In XX/XX/XXXX I requested my credit report and noticed an account that i do not recognize. Therefore, on XXXX XXXX, 2016 I mailed a validation letter to National Credit System for an account they are reporting that they claim I owe them. I requested that they provide proof of the account. To date, I have not received a response related to the information I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies ran my credit without my knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXthere was a bankruptcy filed. Once the bankruptcy discharged there was a huge amount of issues on my credit report. There were accounts that were included that should not have been. The bankruptcy court contact information was inaccurate, the amounts, phone numbers and case numbers. I sent letters to the credit bureaus in XX/XX/XXXX and XX/XX/XXXX to correct or update the information. None of the three credit bureaus updated the information nor removed the bankruptcy. I sent credit report dispute letters certified mail to both XXXX  and XXXX  on the XX/XX/XXXX. They were both received onXX/XX/XXXX. I followed up with both of them and XXXX also completed a phone dispute as well. I received an alert response onXX/XX/XXXX. I called XXXX in regards to the bankruptcy dispute. The agent notified me that it was confirmed and updated. I asked whom did they contact to confirm the bankruptcy information? The agent advised me that they used a third party system and did not want to provide me with the system. I advised them that I have access to systems as an XXXX and that I did not see any documentation either. I also explained the agent that according to the FCRA Act that the credit bureaus would need to update the correct information or remove the bankruptcy. I have also disputed accounts that were inaccurate along with huge amount of inquiries that were not authorized. I have reached out to all three credit bureaus and this issue still has not been resolved. I am a military service member and I should not have to constantly deal with these issues.
Product: Checking or savings account

On XXXX XX/XX/XXXX I contacted the CEO of Navy Federal Credit Union via email to request that she review my account and allow me to reestablish a credit worth relationship with the bank. She agreed and I was allowed a new account, clean slate and a fresh start with the credit union or so I believed. On or about XXXX XX/XX/XXXX I applied for a credit card and a refinance of my mortgage ( I was denied for both ). When I received a response from the credit union in the mail as to why I was denied for both, each letter stated that I had previously caused Navy Federal a significant loss. The reasons for denial were not the usual, your debt to income ratio is too high, credit card balances too high or you do not meet credit score requirements for these products. For the record at the time of applying my score directly from the bureaus were XXXX, XXXX and XXXX. I sent XXXX XXXX another email on XXXX XX/XX/XXXX requesting that she have a senior executive research what had happened and why the response of denials. Three executives from NFCU contacted me and I ask via phone and email " if I was not going to be allowed a totally clean slate and have access to all the NFCU products why give me a new account? '' None of the executives could answer that question so I sent XXXX XXXX another email requesting info on why I was given a new account with conditions and not a regular savings and checking account and to date neither the execs or XXXX XXXX have responded in any format.
Product: Credit reporting or other personal consumer reports

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX they credit bureuas will not delete these and i did not authurize them to pull my credit reports. they need to be deleted due to fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureaus to have hard inquiries removed that I when I did not authorized and XXXX remove all unauthorized hard inquiries / investigation but XXXX and Equifax did not remove the same inquiries that XXXX removed that we're all fraudulent I've been working on this for the last 5 to 6 months prior to that the last few years and all of the hard inquiries were for car lots that someone found an old state identification card that I lost try to obtain a car loan and also receives over {$6000.00} and cellular service from XXXX and XXXX. They are not removing these inquiries. I was told that I have to write a single letter for each inquiry instead of one letter with all of the inquiries on it. I have also informed all the credit reporting agencies of various addresses and various last name on my credit report that do not pertain to me I've asked them to be removed and to my knowledge the only reporting agency that removed the addresses is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently checked my credit report and I see there are accounts that Ive never opened and I need them removed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 ChexSystems mailed me my consumer report. To my dismay, they are reporting negative accounts and items such as XXXX XXXX payment history, XXXX XXXX, XXXX XXXX, Unavailable retail item history and insufficient data inquiry activity same fi. I am in fact a victim of the XXXX data breach and therefore have had many negative accounts reporting inaccurately. Attached is tangible proof that I am a victim of identity theft, an Affidavit of Identity Theft signed and notarized, and my Federal Trade Commission fraud report against ChexSystems.
Product: Credit reporting

I disputed an item from my credit report. I included all documents ( Lease agreement, rent stubs ( XXXX XXXX XXXX ), 30-Day Notice to Vacate, Collection letter ), and it still shows that I owe a debt. I have included the Credit report as well
Product: Checking or savings account

Transactions listed below were fraudulant. Someone accessed my account via an app called XXXX and a website called XXXX. Transactions were approved and over {$17000.00} was stolen from me. No one contacted me of these transactions, I only found out when I tried to pay a bill. A police report was filed but the bank, XXXX XXXX XXXXXXXX XXXX, refused to give any help just insisted it had to be me. I am out {$17000.00}. I am on social security XXXX and this was all I had.Now I may lose my house with nowhere for myself and XXXX sons to go. 
XX/XX/22 withdrawal to XXXXp {$390.00} XX/XX/22 to XXXX {$800.00} XX/XX/22 to XXXX {$400.00} XX/XX/22 to XXXX {$30.00}, {$70.00}, {$100.00}, {$300.00}, {$1000.00}, {$1000.00} XX/XX/22 to XXXX {$1900.00}, {$1000.00} XX/XX/22 to XXXX {$2000.00} XX/XX/22 to XXXX {$2000.00}, {$2000.00} XXXX on XX/XX/22 to XXXX {$2000.00} XX/XX/22 to XXXX {$500.00}
Product: Mortgage

Our initial mortgage was with Bank of America who offered to refinance, but the payment was as much as original mortgage due to pending mortgage deficiency, they then sold our mortgage to one of their subsidiary 's " XXXX XXXX XXXX ''. 

We had sought the assistance of XXXX to assist us with the refinancing. XXXX XXXX XXXX refused to refinance our mortgage telling XXXX they had received our paper work too late. However, this was in correct as all requested documents were sent and submitted within the time frame required. XXXX XXXX simply refused to work with XXXX on our behalf. 

In addition, XXXX XXXX XXXX it would appear intentionally caused our mortgage to become default, which resulted in them selling it to XXXX XXXX XXXX. 

XXXX XXXX at the time of selling our mortgage to XXXX on XX/XX/XXXX, was negligent in their fiduciary duties in that they did not disclose to XXXX that we had filed a complaint with your agency, Consumer Finance and that they ( XXXX ) had refused to work with XXXX. Their action resulted in the property being sold to XXXX without any consideration for our need and ability to re-finance in an attempt to save our home. XXXX obtain a court order resulting in us having to vacate the property no later than XX/XX/XXXX. 

The action of XXXX XXXX has caused not only the loss of our home, but extreme emotional distress and absorbent monetary loss and financial hardship. 

We appeal to you for any all assistance and remedy with respect to the issues raised in this complaint. 
We thank you in advance for your kind consideration and concern in this matter. 

With kind regards, we remain.
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 XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX I # XXXX Account XXXX XXXX XXXX I XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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: Payday loan, title loan, personal loan, or advance loan

I am filing this complaint against XXXX XXXX due to their repeated and harassing text messages, despite my multiple requests for them to stop. 

On XX/XX/year>, XXXX XXXX began texting me regarding a payment. I immediately informed them that I would make my payment the following week because I had just experienced a house fire and lost all of my cards. Instead of being understanding, they continued to aggressively text me, even after I repeatedly asked them to stop. 

I explicitly told them at least XXXX to XXXX times to stop contacting me, yet they disregarded my request and continued messaging me. In total, I received over XXXX unwanted text messages after my requests for them to cease communication. When I informed them that I would take legal action due to their refusal to stop, they dismissed my rights, stating that I could not press charges and that they had the right to text me until I paid. 

This behavior is harassing, unprofessional, and a violation of my consumer rights. Their actions may be in violation of the Telephone Consumer Protection Act ( TCPA ) and possibly the Fair Debt Collection Practices Act ( FDCPA ), as they continued to contact me despite my clear and repeated requests to stop.
Product: Debt collection

Under the fair reporting act I have the right to be informed 30 days prior to any negative report against me I clearly showed u that I was in New York XXXX XXXX 6 months prior from your letter of your purchase of debt I have requested numerous of times that your show me proof of purchase or payments made bi me which I am allowed bi New York State fair credit act of 2021 including payment history and none has been provided other then a sheet of paper with an amount .. and a letter state your purchase of debt..
Product: Checking or savings account

On XX/XX/2020 I opened a PNC bank checking accountincentivized by the promotion PNC was runningat that time. Specifically, {$200.00} bonus for opening a checking account and setting up a direct deposit. I met all the requirementsof the offer, but never received the bonus. My multipleattempts to resolve the issue with PNC customer service were unsuccessful.
Product: Consumer Loan

Through Equitable Acceptance Cooperation I understood that the payments that I was making to them would be included in public loan forgiveness program, before I began making my payments to the student loan services but they were not. I did n't realize my APR would be 17.99 percent and it would take me 3. Years to pay off {$1200.00}. At XXXX a month on top of my student loans. I trusted the contact person rather than reading pages of online fine print, as I had just graduated from college with a large loan and no job yet. I feel they took advantage of me at a vulnerable time.