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

I see a bankruptcy on my credit report I would like reviewed and looked into.
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 XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$25000.00}.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA section 605b it is illegal to report information on my credit report without my permission. 

I have contacted XXXX multiple times to dispute this inaccurate information and requested verification and correction. Despite my efforts, the credit bureau has not provided proof that these payments were late and has not updated my payment history to reflect the accurate status, Paid as Agreed, Never Late. 

This conduct by XXXX violates my rights under the FCRA ( 15 U.S.C. 1681 ), which mandates that credit bureaus must ensure the accuracy and completeness of the information reported. Furthermore, their failure to promptly and fairly address my dispute is in violation of : 15 U.S. Code 1666b of the Truth in Lending Act ( TILA ) 15 U.S. Code 1666c - Prompt and fair crediting of payments
Product: Debt collection

Various documents dropped off with neighbors and relatives that involved personal information pertaining to fraudulent debts due to being a victim of identity theft. Received a letter for a judgement held against me with a hearing of XX/XX/2019 in which was not disclosed in the paperwork dropped off with neighbors. 

Was not served directly by debt collector and never signed any paperwork pertaining to these filings. These documents were dropped off various times throughout the month of XXXX. In one occasion they were inserted in the United States Postal Service Mailbox where I reside. 

This is very unprofessional and deceptive with attempts in collecting a fraudulent debt and disclosing personal information containing social security number. The documentation included address, social security number, amount for the debt for the apparent collection. 

Neighbors stated that they were approached by a female in a dark colored commuter car, in which then handed them a stack of papers. Upon receiving the documents and realizing it does not pertain to anyone to their address, they personally directed the correspondence to me. They advised me that they felt that was very unprofessional and rude for a collector to approach them in that manner. 

These types of practices should be looked upon and enforced to the local, state and/or federal levels to which they are violated.
Product: Credit reporting or other personal consumer reports

I called Self Financial, Inc about an account ending in # XXXX showing up on my credit report with XXXX, XXXX and XXXX. Self Financial told me that they dont have no knowledge of this account. This account is showing up as 30 days late for XX/XX/XXXX.
Product: Student loan

My student loan provider is currently Navient. I have been paying my student loans for approximately 5-6 years now and have never missed a payment with them nor any other creditors. In addition to that, my interest rate w/ Navient is 5.75 % on both my subsidized and unsubsidized student loans ( fixed rate ). With that being said, I noticed when going through my payment history that they are applying my payments very inconsistently when it comes to interest and principal. For example, my due date is the XXXX of each month, on XX/XX/XXXX I made a payment before my due date in the amount of {$380.00}. {$170.00} was applied to principal while {$210.00} was applied to interest. On XX/XX/XXXX I made another payment of {$380.00} ( before my due date ) and {$130.00} was applied to principal while {$240.00} went to interest. That's a {$32.00} difference applied to principal. How is there such a substantial difference from month to month when my rate is fixed? It's bad enough that I began making payments towards my student loan in XX/XX/XXXX and none of my payments went towards principal until XX/XX/XXXX. I have attached my full payment history below which has been exported directly from the Navient website.
Product: Credit reporting or other personal consumer reports

XXXX and XXXXNELNET took over my loans when i was told i had to consolidate them by the student aid. gov website at one point. I called myself several times to have the inaccurate missed payment data updated as i was enrolled in school at that time and they never updated it. I would get hung up on or put on hold for hours at a time. I finally put in through XXXX and XXXX to get the changes made and they were incorrectly updated again and i was told that there was nothing i could do but file this complaint. All of my other credit is perfect except for these XXXX loans that are screwing my credit because the providers are not updating the records correctly.
Product: Vehicle loan or lease

I sent in a dispute letter via online and certified mail on XX/XX/year> .. the account balance was removed but the account is still reporting " potentially negative '' and affecting my credit
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. I always make my payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Section 602 of the Fair Credit Reporting Act, 15 USC 1681, " there is a need to ensure that consumer reporting organizations execute their grave duties with fairness, impartiality, and a regard for the customer 's right to privacy. '' I am the Consumer, and XXXX and XXXX are consumer reporting companies. 15 USC 6801 states that " it is the intention of the Congress that each financial institution has an affirmative and continuous commitment to respect the privacy of its customers and to maintain the security and confidentiality of those customers ' nonpublic personal information. '' Furnisher of information to credit agencies is, by definition, a financial institution. Section 604 a section 2 of 15 USC 1681 reads that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the consumer reporting companies, XXXX and XXXX, do not have my consent to supply this information, and they certainly do not have my written authorization. Any and all verbal, nonverbal, written, implied, or other agreement to XXXX, XXXX, or all financial institutions are revoked. Also, 15 USC 6802 ( b ) ( c ), " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is provided with an explanation of how the consumer might exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option by any financial institution. Not only that, but 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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 criminal convictions that predate the report by more than seven years. '' This account is an adverse item they are reporting without my permission which is illegal. " 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, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A. 
" Every consumer reporting agency shall maintain reasonable processes designed to avoid breaches of part 1681c of this chapter and to confine the provision of consumer reports to the objectives indicated in section 1681b of this title, '' according to 15 U.S. Code 1681e. Reasonable procedures are not being maintained by XXXX and XXXX. Also, according to 12 CFR 1016.7, " a consumer may exercise the right to opt out at any time. '' I am declining your reporting services.
Product: Debt collection

I was contacted by Wells fargo in XXXX 2015 about bringing my loan current. I had spoke to a counselor or supervisor and was told i made ~ {$1500.00} payment before XXXX XXXX 2015 i would be brought current. I made two separate payment of {$700.00} and was contacted by the same agent asking for another {$140.00} to be brought completely current. i made that payment as well and was advised i am completely current and would need to make regular payments beginning XXXX 2015. I continued making payments but on my bill it showed i was still delinquent and there had been other late charges applied to it. I contacted them several times about this to no avail. Then one time i was told this balance was carried from XXXX 2015. I have asked them repeatedly to listen to the calls from XXXX and XXXX to sort this out but they refuse to do so. instead they have been adding " other charges and fees '' to my bill and have brought the total amount due to over {$2000.00} and have adversely affected my credit.
Product: Payday loan, title loan, personal loan, or advance loan

The interest rate and payments being on the days I get paid make it difficult to survive and pay my rent and other necessities. I reached out about losing a job and getting a new one and the difficulties I have been experiencing and all that was done is my pay dates being switched. When I was in the portal XX/XX/year> confirming the next payment date I did see it was not the date I was told it got switched to. And on XX/XX/year> due to this payment I am not capable of paying my rent and I might be evicted.
Product: Credit reporting or other personal consumer reports

This was a follow up on a previous complaint and request the removal of certain inquiries from my credit reports. The reason for this request is that I will be updating my credit reports within the next 15 days. As per the Fair Credit Reporting Act ( FCRA ) section 605b, credit bureaus are obligated to remove items listed on an identity theft report. Therefore, I kindly request the Credit Bureaus to remove the following inquiries from my reports : EXPERIAN : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Mortgage

I have tried many different ways to pay this mortgage company Mr. Cooper or Right Path. I have written out a time line of sorts and made several attempts to pay them sometimes twice monthly. I receive text messages and inbox messages through the company telling me it has been paid. I can see at times they have taken the payment and then reversed the payment. I have paid my bank fees and fees with them. I have tried using my bank to pay them which my bank will not do anymore, tried auto pay, tried calling it in and scheduling payments. Nothing is working and now they are telling me I am delinquent. I have a feeling they are deliberately trying to get my house foreclosed on. I am filing this complaint as a first step and will be looking at getting an attorney next if I cant get the help I need. I have documentation of all correspondence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I was denied a car loan bcz of collections on my report. I knew nothing of this. Noticed 3 unfamiliar single family addresses listed on my report. My report was/always supposed to be FROZEN. One I noticed back in XXXX was an address listed as XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX. Soon after I receive a call from the FBI XXXX XXXX division stating someone was trying to use 2 old credit cards of mine tht were closed. So we made a report to Victims Identity Fraud and received a victims id # to report anything else suspicious. As well as reported it to the FBI XXXX division which is where I live and have lived in the state of GA since the age of XXXX Then again in XXXX I noticed another wrong/unknown address on my report. An address listed as XXXX XXXX XXXX XXXX MICHIGAN. Once again I disputed it, it was removed from my credit report. Then shortly after I receive the first collections notice ever in my XXXX of life stating I owe a company in MICHIGAN over {$10000.00} in past due payments for rent. So after that I see yet another wrong/unknown address on my report as XXXX XXXX XXXX XXXX XXXX MICHIGAN . Then I receive yet another collections agency stating I owed " XXXX XXXX '' over {$17000.00}?! THen yet again another collections agency stating I owed a XXXX XXXX yet Again in MICHIGAN almost {$800.00} in past due bills. I've ever done business nor have I ever lived in the state of MICHIGAN. How are you gon na deal with this XXXX?!
Product: Credit reporting

I have disputed account XXXX with Equifax several times. I have not had any success with getting this account removed from my credit file. This is not my account. I do n't know where this account come from. I was a victim of identity theft more than a year ago.
Product: Payday loan, title loan, or personal loan

I have been trying to reach BMG by email and phone for 10 day. I have been constantly on hold 5 plus hours no one picks and also no response to my emails. I sent duplicate check first one canceled because it was not endorsed and I received a second check mailed to them. I was trying to relay the information and also receive proper payoff.Chat doesnt work.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score continues not to increase no matter how much I improve my credit. It is the same score as it has alway been since I have had credit. XXXX. I have owed a car a faithful on my car payments 3 years straight ( same score ) it show 's I no I closed my account with my rental XXXX XXXX because our lease was up. Stay there 2 years paid on time, but it show account closed. which decrease points and it's was an apartment, but it does not show good credit like I paid 2 years straight it shows closed which decrease your credit points. The credit bureau has never showed good credit like now it went up only 3 point and one went down 3 points, however, it has never raise more then XXXX since I have had credit and I am in my XXXX 's
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion several times & explained to them how they needed to verify the items that was on my report. They failed to send me documentation of a Bankruptcy on my report & file. I have contacted them several times about the issue. they came back stating that they have verified this account with XXXX. XXXX uses a database called XXXX to fish out negative info on consumers and you then sell it to the other consumer reporting agencies. Thats violation 15 U.S.C 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy & congress makes it clear that a consumer has a right to privacy. XXXX going out and fishing for negative information about me is an infringement upon a consumers right to privacy pursuant to 15 U.S.C 1681 ( a ) ( 4 ). The second one- 15 U.S.C 1681b ( a ) ( 2 ), XXXX did not have a Permissible purpose nor did they have your written instruction. Transunion still has no " SOLID '' prof as to how you received the information because XXXX is not crediable and violated my rights. 

Violations 1 : 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

2 : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

3 : 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Only a consumer can validate a debt 15 U.S Code 1692g. I have suffered from XXXX XXXX gross, negligent and willful behavior. These injuries included and not limited to being denied for credit, deformation of character, loss of business income, denied for mortgage and mental anguish,
Product: Credit reporting or other personal consumer reports

Someone has used my personal information to file for a credit card through Chase Bank. As the hard inquiry was being processed on my XXXX account, I received several alerts that someone was attempting to gain this access by using my information. I am seeking to have this hard inquiry removed. It is dated for XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being ; I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 And they VIOLATED my rights numerous of time. I DEMAND the accounts listed below be removed Because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX TD BANK XXXX TARGETCREDIT XXXX XXXX XXXX XXXX MN XXXX PHONE : XXXX ACCOUNT NUMBER : XXXX ...
To Whom It May Concern : I have contacted the debit card department and they confirmed that the account was closed and does not have any balance. This is reporting negatively on my credit report as Paid in Settlement {$39.00} written off. There was fraudulent transaction and it was disputed and I have paid the full balance. The representative over the phone clearly mentioned that there is no balance and this company still reports incorrect information on my credit report. This is hurting my credit score and my ability to get a home mortgage for my family with XXXX kids. Please delete this information from my credit report immediately.
Product: Credit card or prepaid card

On XX/XX/18 I took an XXXX from XXXX XXXX to XXXX NY. I had Approximately {$80.00} in XXXX credits that expire monthly that I was happy to use as it was nearly the end of the month so I set the trip to charge my credits in full. However upon arrival in XXXX the XXXX drivers XXXX malfunctioned and showed the fare incorrectly as {$15.00} so only that was deducted from my credits, leaving approximately {$64.00} in XXXX  expiring credit. The the next day ( XX/XX/18 ) the driver contacted XXXX  and the fare was corrected, however now FRAUDULENTLY charging a chase card I had on file. This was an unauthorized charge, as my original ride was fully paid for in XXXX credits. This would be akin to a frequent flyer taking a flight, then landing and the airline charging his credit card INSTEAD OF DEDUCTING THE MILES. I contacted XXXX   several times throughout the next few weeks, and received multiple incoherent responses from them. I then contacted chase who informed that since the credit card was in my XXXX   account, XXXX has a right to charge it. XXXX refused to change the payment on the ride, and my credits ( I did not have a chance to utilize them in the following 24/48 hours ) were left to expire. 

I vehemently disagree with XXXX & Chase. I initially fully paid for my ride in XXXX credits, and if XXXX decides to change the method on me after the ride was paid in full, I need to be contacted. ESPECIALLY AS THERE WAS ENOUGH XXXX CREDITS AS INITIALLY SELECTED TO PAY FOR THE RIDE IN FULL. 

As you can see from my attached communication, the XXXX   reps seemed to indicate that the " XXXX credits were not selected for the trip '' as you can see in my attachment of my communication with them and the initial receipt, this is patently false. 

Chase needs to refund me my money, as this is clearly a fraudulent charge that was not authorized.
Product: Credit reporting or other personal consumer reports

I do not recognize this address please remove this addresses from my report thank you. 
Address XXXX XXXX XXXX XXXX Ga XXXX