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

This student loan from Department of Education was sold to XXXX XXXX XXXX 2018 and then to XXXX. During Covid-19 I was on a Forbearance and payments were not required. They are listed on my report as XXXX times late and now the status is still as potentially negative as 10 different entries this is one account with a balance of {$29000.00}. There are not 10 different accounts. I have disputed this account 5 times and it still appears on my credit report as a negative account. XXXX, which is my loan servicer has the account status as Exceptional credit. How can one be negative and the other exceptional and it is the same account? I've tried fixing this several times, but it remains on my credit report as a negative account. Can you please fix this since it seems the credit bureau 's are ignoring me? Thank you! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX
Product: Credit reporting or other personal consumer reports

The hard inquiries on my credit report violate 15 USC 1681c-2, impacting my score. I request their immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPEDXXXX   XXXX DPEDXXXX   XXXX DPEDXXXX   XXXX DPEDXXXX   XXXX DPEDXXXX   XXXX DPEDXXXX   XXXX DPEDXXXX   XXXX DPEDXXXX   XXXX DPEDXXXX   XXXX DPEDXXXX   XXXX DPEDXXXX   XXXX XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

This company is a fraud, they seem to be praying on people. I have asked for the reason if this bill and who they are to prevail they continue to send me threats of balance they say I owe them. I do not know who this company is I don't owe them anything. Theses people should not be allowed to do this I want this removed from my credit remove immediately. Please investigate the people and their tactics. I have node what thesis for. 

They preying on people who will send them money.
Product: Mortgage

I refinanced my home with Rocket Mortgage on XX/XX/XXXX. At that time my home was insured with XXXX XXXX XXXX XXXX XXXX, the insurance was escrowed. Each XXXX Rocket Mortgage would pay my insurance out of escrow, this was true in XXXX, XXXX, and XXXX. In XX/XX/XXXX, about XXXX weeks prior to my insurance policy end date I switched insurance companies to XXXX with an effective date of XX/XX/XXXX, the same day the XXXX policy would expire. 
XXXX updated Rocket Mortgage and there is no issue with the new policy period however I later received a letter from Rocket Mortgage stating there was a lapse from XX/XX/XXXX through XX/XX/XXXX although this was incorrect. 
I called rocket mortgage on 6 occasions, XXXX XXXX XXXX supplied them proof of coverage from XX/XX/XXXX through XX/XX/XXXX, completely covering the incorrect lapse period. XXXX did this on THREE occasions yet despite Rocket having proof of continual coverage, they force placed a policy. Every time I call I am told yes we have proof of coverage we just need to have someone remove the the lapse information. But they never do this and continue to send me letters saying I have a lapse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX  XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.
Product: Checking or savings account

Im currently a XXXX XXXXr for XXXX since XXXX I have been charged out rages fees for getting my pay from an account that was open by Branch affiliated with XXXX
Product: Credit reporting or other personal consumer reports

The balance on my XXXX XXXX XXXX credit card is not true and accurate. I have a {$0.00} balance
Product: Credit reporting, credit repair services, or other personal consumer reports

additional information for original complaint # XXXX. 

Company received ( USPS return receipt tracking # XXXX ) my letter on XX/XX/2022. It has been over 30 days and company has not responded. 

I have not received written correspondence of my permanent file deletion.
Product: Checking or savings account

Capital one has not given me my deposit, they expect you to pay their bills on time as I expect my check that u work hard for!! I need my direct deposit!!
Product: Credit reporting or other personal consumer reports

I got messed up with a company charging 89.9 % APR, called XXXX. It was a business line of credit. I did not authorize them to report anything to my personal credit. After discovering the scam, I negotiated a payment arrangement with them. THEY NEVER DISCLOSED AN APR %, AS REQUIRED BY LAW. I took several " draws '' on this line, and NEVER was ANY APR disclosure EVER- not even once - made, as required by law. 

I have disputed this on my Experian Report multiple times, but they have NOT provided me with the documents which I am LEGALLY ENTITLED TO!!! I call them on the phone and they say that I need to contact XXXX. XXXX is TELLING Experian that they are in compliance with the law, but I am saying " prove it. '' They are REFUSING to prove it, and that Experian is going to continue to report this, in violation of my rights as a consumer! It is not my job to contact XXXX. If Experian wants to report this info, THEY are required by law to receive it from XXXX, and then provide it to me. They are not doing this!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Covid-19 EIP Stimulus Card : We still haven't received our EIP Stimulus card from the money network company.

This company is supposed to issue government issue stimulus cards for Covid-19. We can't reach them or talk to them to get the status of our card.

Here is their information : Money Network Cardholder Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, To whom it may concern The reason for this complaint today is I have incorrect information reporting on my credit report. I disputed the process three times. They still have failed to show me proof from the original creditor to report the information and no signed contract. I disputed this information XX/XX/2018 WITH XXXX AND EQUIFAX. I received a letter from XXXX on XX/XX/2018 stating that they would look further into and investigate the information provided by me within 45days. I still haven't got a reply as of today 's date XX/XX/2018. It has been two months and more since i received the letter. I still haven't received anything from EQUIFAX SINCE I MAILED THE LETTER OUT. They have went over and beyond 45days violating my consumer rights. I will ask for ALL the information that i disputed must be deleted immediately. If this information is not deleted in 15days i will file suit against these two bureaus. I have proof of USPS receipt as well as documentation of my disputes. Hopefully we can get this matter resolved with no further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX XXXX reported to Experian a debt that belongs to a corporation to my personal credit report. I opened a dispute with Experian ( Report Number : XXXX ) claiming this debt is not my personal debt. The XXXX XXXX account is a corporate account that was never tied to my personal data and the debt ( which is in dispute ) should not be reported on my personal credit. Furthermore, my personal data ( SS # and/or DOB ) was not used when the XXXX XXXX account was opened in XX/XX/XXXX. I requested Experian to request XXXX XXXX to provide proof ( in form of documents that clearly display my signature ) and if none provided by XXXX XXXX I requested Experian to remove the debt from my personal report. There is no documentation linking me personally to a corporate debt and lack of such proof should be be used to remove this negative report from my personal credit report.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds whens transaction were authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
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. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXXXXXX XXXX  Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights XXXX Account # XXXX, has violated my rights 1XXXX 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, 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 confidentiality under 15 UCS 1681 Account name Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c. 1681 section 602 a right to privacy 15 u.s.c. 1681 section 602 a section 2 also states that a consumer reporting can not furnish account without written instructions 15 u.s.c 1681c. ( a ) ( 5 ) 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 ) 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 or other personal consumer reports

I SENT A letter to the EXPERIAN bureau ask them to verify accounts that they are reported on my account and to send me original documents of signature that I signed approve of these accounts and inquiries and they have not responded. Upon review, I even though it should not be due to its charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations.

Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. 
Due to this apparent oversight, I insist on the immediate removal or " DELETION '' of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made.
Product: Debt collection

XXXX   XXXX  is charging me an early termination fee plus finance charges for an postpaid wireless account that I never agreed to purchase. My prior employer allowed me to use a company postpaid plan that was serviced by  XXXX .     When I left that employer I took the phone number with me and I switched to a prepaid plan with  XXXX  that I paid in full each month. However,  XXXX  says I owe them an early termination fee for the postpaid plan that I never agreed to purchase.     I hav e sent three le tters to  XXXX  over the  last two  years but they will not return any of my letters. They have sent the matter to their collection agencies who pester me with letters. I want the letters to stop and I want  XXXX  off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my credit report from Monterey Collections from a debt owed to XXXX. I disputed the debt with the credit bureaus and it came back as verified. I contacted Montery to get this fixed, they said I owed XXXX. I told them I did not know of this company or debt. They said from a lease XXXX XXXX, I have never leased a TV and do not know of a XXXX  XXXX. I asked for a copy of the original documents and purchase but they have not produced it or removed the debt. According to the Fair Debt Collections Act they must provide information to substantiate their claim and have been unable to do so. I'd like this entry removed from all credit reports.
Product: Debt collection

Spam calls I was unaware were Discover bank since I already receive so many spam calls a day. Sent documentation to wrong address so I was unaware still. I am willing to pay back I just do not want civil suit. I was also hospitalized when the court papers were sent. I got out of treatment on XX/XX/2023. Im struggling mentally and financially and am looking for mercy on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. 
My name is : XXXX XXXX XXXX My SS is XXXX My phone : XXXX Please remove all other variations of my personal information. 

I WOULD LIKE TO HAVE THE FOLLOWING ADDRESSES REMOVED FROM MY CREDIT REPORT THEY ARE NOT MINE : XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH 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

I sent a letter on XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXXXXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX  XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$380.00} XXXX XXXX  XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$59.00} XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXXBalance : {$410.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a dispute letter to Clarity and was sent back a letter stating they were not going to investigate. I like this done
Product: Credit card

I have called Capital One in different occasions asking the reason why the interest rate on my credit card is so high and they always say oh its based on the purchases however I dont really use that card for a lot of purchases every month. Yes, I have purchases however I dont use that card every month And Im paying almost XXXX XXXX monthly and then with the interest rate they charge me is close to {$200.00} so how am I ever going to finish paying that credit card off? Theyre just doubling up the money and Im living paycheck to paycheck.
Product: Mortgage

My name is XXXX XXXX and I have been working on purchasing a home with Interlink Mortgage. I agreed to have my credit pulled XX/XX/XXXX and one more time XX/XX/XXXX. I was highly upset when I say they have been pulling my credit monthly since the process. I was never told or asked about obtaining a new credit report every month and now due to the number of inquires it's having a huge impact on my scores. I am XXXX and they had no right or authorization to request my credit every single month without permission.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern, I was informed by your company ( Transunion ) that ( account # XXXX ) with XXXX XXXX XXXX was deleted from my credit report I have now realized that the same item was Reinserted onto my credit report! 
In accordance with the requirements of the FCRA section 611 ( 15 U.S.c1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) requirements relating to reinsertionof previously deleted material ( ii ) Notice to consumer. If any information that has been deleted from a consumer file pursuant to subparagraph ( A ) IS Reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any means available to the agency I have received no such Notification, this is a serious violation of the FCRA and i now reserve the right to pursue legal action for this clear violation of the FCRA!

I demand that you immediately Delete this account from my credit in order to avoid legal action, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Initial Complaint Against XXXX for Reporting Fraudulent Account and Failure to Address Identity Theft To Whom It May Concern, I am filing this complaint against XXXX for their failure to properly safeguard my nonpublic personal information and for their inaccurate reporting of a fraudulent account that was opened without my authorization. 

Details of the Issue FTC Identity Theft Report Reference Number : XXXX Related CFPB Complaints : XXXX, XXXX, XXXX, XXXX Fraudulent Account Details : Creditor : LVNV Funding Account Open Date : XX/XX/year> Amount in Dispute : {$1200.00} On or about XX/XX/year>, LVNV Funding opened an account using my personal information without my consent. I did not apply for, authorize, or benefit from this account in any way. This is a clear case of identity theft, which I have documented with an FTC Identity Theft Report ( Reference # XXXX ). 

I have not yet received any response from XXXX because I am initiating my first dispute regarding this matter. However, based on my previous complaints against LVNV Funding and related parties, I anticipate pushback or lack of action unless this issue is formally escalated through the CFPB. 


Regulatory Concerns XXXX continued reporting of this fraudulent account would violate my consumer rights under : 15 U.S.C. 1681i ( Fair Credit Reporting Act - FCRA ) My right to dispute inaccurate information and have it properly investigated.

15 U.S.C. 1681c-2 ( FCRA ) My right to block identity theft-related information from appearing on my credit file. 
15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act ) XXXX responsibility to prevent unauthorized use of my personal financial information.