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

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX accessed my credit file with Transunion, XXXX, AND XXXX without my permission. This are a fraudulent inquiries, which I did not authorize On XX/XX/XXXX XXXX XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report. 

As up to date, XXXX shows the 3 inquiries, and the Transunion and XXXX still show the XX/XX/XXXX. 

Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above. XXXX  is neglecting to remove anything, and the other two remove partially. Should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1.  ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX did, and this in addition to several other inquiries started after the XXXX   data breach publicly known.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ___, I am a victim of Identity theft. I am enclosing my Driver 's license, Identity theft report where I listed all the charges that I did not make from Federal Trade Commission and a notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Product: Credit card or prepaid card

Back on XX/XX/2020 I purchase a DNA Health kit from XXXX on my Capital One Credit card. XXXX had issues in the system and the system double charged me. After long issues and waiting they got me my refund for the extra charge. I then waited almost another month before remembering I didn't get my DNA kit because XXXX attempted to charge my credit card yet again for a membership to go with the kit and the results. Well, I hadn't gotten the kit yet. I then reach out to XXXX about the issues and tell them to stop charging my card and get me a refund. After a long period of time they do. ( XX/XX/2020 XXXX - XXXX {$110.00} Provided by XXXX ) I don't pay attention to it until today XX/XX/2020 when I notice I still haven't gotten it. I call XXXX who gives me the XXXX and attempts to wash their hands of it saying my bank has it on hold. Capital One refused a Supervisor and has charged me interest on this missing money. They refuse to do anything other than saying " Call back again tomorrow and maybe you will catch someone who can see that. '' When did processing transactions become the consumer 's problem?
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
" XXXX XXXX '' using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Company is attempting to collect a debt I do not owe. XXXXXXXX XXXX  breached my contract for insurance and did not provide coverage for my vehicle.
Product: Credit card

At or around XXXX on XXXX I applied for a XXXX XXXX credit card issued by Chase XXXX I was sent, this is no exaggeration, to XXXX ( XXXX ) separate departments within Chase to look to get this credit card application processed. XXXX part of the application process was I needed to lift my XXXX XXXX XXXX, which I did. Chase representatives, within their locus of control of the principal-agent relationship, could not answer what the issue was and why I was being sent around to XXXX separate individuals, on the same call. This was not a security issue, that Chase used under the guise of placating the consumer ; rather, they just would not take ownership of the applicatiion process and -literally- wasted a XXXX hour of my time. The fact ( which is verifiable ) that my subject XXXX XXXX XXXX is above XXXX is not the issue... if Chase wanted to deny the card, they should have just told me that XXXX minutes into the call. As a reminder, I was REQUIRED to call Chase to complete the application ( I would have much preferred to do all the application online ). Chase treated me very poorly and wasted valuable time. Very disappointing.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently reviewed my Experian credit report XX/XX/year>25 and identified multiple inaccuracies and incomplete information. As per the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in the information they provide. The following accounts listed in my credit report have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX account shows collection on account type but also show current.. 
Violations of the Fair Credit Reporting Act : 1. Reasonable Accuracy Obligation ( 15 U.S.C. 1681e ( b ) ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning individuals. These accounts listed above have violated this standard by reporting incomplete or inaccurate data.

2. Treatment of Inaccurate or Unverifiable Information ( 15 U.S.C. 1681i ( 5 ) ) : Under this section : * If information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the agency is required to : ( i ) Promptly delete or modify the inaccurate item in the consumers file. ( ii ) Notify the furnisher of the modification or deletion of the inaccurate data.

3. Furnisher Responsibilities ( 15 U.S.C. 1681s-2 ) : * Furnishers are prohibited from providing any information they know or reasonably believe to be inaccurate to consumer reporting agencies.

4. Prohibition of Reporting Inaccurate Data ( 15 U.S.C. 1681b ( a ) ( 1 ) ) : * A person is not permitted to furnish inaccurate information regarding a consumer if they know or have reasonable cause to believe the information is inaccurate.

I demand that the inaccuracies be corrected immediately, unverifiable information be removed, and prompt notification of actions taken be communicated to me. Failure to address these violations constitutes noncompliance with federal law and infringes upon my rights under the FCRA.

Action Items : * Remove or modify all inaccurate, incomplete, or unverifiable information from my credit report as required by 15 U.S.C. 1681i ( 5 ). 
* Notify all furnishers of the corrections made to my file. 
* Provide me with written confirmation that these corrections have been completed. 
Thank you for your prompt attention to this matter. I expect a resolution and written confirmation within the statutory time limit outlined under the FCRA.
Product: Student loan

During the last 3 years, navient has been charging me close to XXXX dollars a month. My current income is XXXX a year. I have been on the phone with them several times over the years so come up with a lower monthly payment plan. They claimed I can not do that. They also claimed that Ive been in forbearance twice for deferred payments. Even though Ive been on auto pay since 2015. They provide no help for economic hardship and claim Forbearance is my only option ( which I have to pay for just to get it ). My bank accounts have no proof of deferred payment activity or forbearance. But apparently On their side there is. Im extremely frustrated.
Product: Credit reporting or other personal consumer reports

To start off, XXXX XXXX XXXX, is the name Inventhelp or whatever name Inventhelp is using now, used to defraud me like they did many people in the United States. Yeas ago, all that XXXX got me to do was sign a contract for their services, that they never provided to me, they did nothing, that is why there was a class action law XXXX XXXX XXXX, the court sent me a letter about the law XXXX XXXX all credit bureaus were supposed to delete all the information that was in error, they defrauded me also, I never owed XXXX XXXX XXXX, anything ......
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an accurate items on my credit report. Despite my efforts to resolve this directly with the reported agencies, it has remained unresolved. I request immediate investigation and removal of these items, as they are incorrect and do not reflect my true credit history. 

These are the accounts listed below : 1 ) XXXX XXXX XXXX Account # XXXX XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX ) XXXX acct # XXXX 4 ) XXXX resource management acct # XXXX XXXX ) XXXX XXXX XXXX XXXX # XXXX 6 ) XXXXXXXX XXXX  acct # XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Same problem but now they acknowledge XXXX and there letter states they know XXXX and XXXX are the same company. They say I need more time on XXXX when I ever stopped paying them and never late, this is being sent because we were asked to send one last complaint
Product: Credit reporting or other personal consumer reports

Company reported account # XXXX as charged off available credit as {$4400.00}, reported balance as {$280.00}. If it is charged off, I should have received a 1099-C and it my balance should be {$0.00} and not be showing on my credit report as been owed.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them 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

Please See Attachments I AM A NATURAL PERSON PLEASE DONT CLOSE OUT THIS COMPLAINT
Product: Debt collection

Upon looking at my credit report I spotted the following Inconsistencies and inaccurate and b/c I the FCRA I would like these negative items deleted from my credit report. Not my account was deleted now reappearing on XXXX  and XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF EQUIFAX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$0.00} I am also including an FTC Identity Theft Report with the reference number XXXX to further support my claim of identity theft. This report provides additional documentation of the fraudulent activity linked to the Equifax data breach. As mandated under 15 U.S.C. 1681c-2, upon receiving this identity theft report, credit reporting agencies are required to block and delete any information identified as resulting from identity theft within four business days. Please find enclosed the following documents to support my claim :. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have followed the process that Experian requested of me to remove fraudulent information on my credit report. They take no action, and do not allow me any access to their findings, the results of the disputes, nor my credit report. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a time barred letter with XXXX  and it has been well over 30-45 days with no reply.
Product: Mortgage

In reference to Selene Finance .... 

I have contacted Selene with the problem at hand. First of all. 

I received 3 different letters from them regarding my escrow acct. They say that we have a shortage. The first letter dated XX/XX/XXXX saying we owe {$530.00}. Then I received the second letter dated XX/XX/XXXX saying we owe {$440.00}. Of course these 2 letters say that they have automatically divided the shortage by 12 and included in my monthly payments. This has increased my payment to {$60.00} more a month. I then received another letter dated XX/XX/XXXX saying we owe {$280.00} and that it had to be in by XX/XX/XXXX. So I wrote the check and mailed it on XX/XX/XXXX. It was received by them and cashed on XX/XX/XXXX. 

I called them in the beginning of XXXX to pay my monthly payment, I was told that they would not accept my payment because it was not the full amount, the escrow was added on. I explained to her that I already paid the shortage, she read all three letters that was sent to me, and that she still insists that I did not pay the correct amount. So for the next 3 weeks I have been trying to pay and kept getting the run around. She states that she was going to transfer me to her supervisor. I left a message and have not heard back from them since. I have called at least 6 times with no solution at all. I wanted the number to the escrow dept and was told that they do not have a number.?? What kind of XXXX is that? Big company that has no phone??? Seriously. I am not a happy person right now. They better not try to report my acct to the credit bureau 's either, because none of this is my fault. I was reading the reviews for this company and I agree with a fair amount of complaints on the XXXX site that this company needs to be investigated. 

I have been diagnosed with XXXX XXXX, and do not have the energy to fight with this company. We are living on one income and they have not in anyway tried to help us at all. They say that we have to wait 2 years until we can apply for a loan modification and there is nothing that they can do to help us. But, SOMETHING HAS TO BE DONE. It is not only my mortgage, but alot of other people are being greatly affected by them. 

PS. We did not chose Selene to be our mortgage company, we were with XXXX who then sold our acct to them. Before that we were with XXXX, XXXX and XXXX who embezzled our escrow money along with alot of other customers, and were investigated by the FBI. And we never got our money back from it.
Product: Credit card or prepaid card

I 've never tried to apply for any credit cards in my life. I moved out of the state and did n't change my address I received letters from the government and it had my social security number my name on it & someone been ruining my credit they fraud a lot on my social please I need help I 'm only XXXX yrs old with a no good credit that I 've never took any action on.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Experian regarding the following accounts that have been inaccurately reported on my credit report. Despite my efforts to resolve these issues directly with Experian, the incorrect information remains on my credit report, which is negatively impacting my XXXX XXXX. I had disputed these accounts several times and Experian fails to complete a full investigation or remove the account from my credit report. 

Details of the Accounts in Question : XXXXXXXX XXXX, XXXX Account Number : XXXX This account is inaccurately reported as a collection and also shows as an open account which is a collection account should report close. I have never had any dealings with XXXX XXXX, XXXX. 

XXXX XXXX XXXX Account Number : XXXX Issue : This account is being reported as unpaid, but I have already settled this account in full with the company. 

XXXX XXXX Account XXXX : XXXX This account is inaccurately showing charged off when it was never delinquent and show a balance and it should have not show a balance because it was a secured card and I was the one who ask them to closed the account and there were no balance on it. As a matter of fact they should be the one paying me my secured deposit back. 

XXXX, XXXX XXXX ( XXXX, NA ) Account Number : XXXX This account is reflecting as a UNKNOWN account which I am not sure who they are and what the account is about or what was the debt for. 

XXXXXXXX XXXX XXXX XXXX XXXX. 
Account XXXX : XXXX This account reporting as a collection which listed inaccurately on my report. I have never had any dealings with XXXXXXXX XXXX XXXX XXXX XXXX. 

Desired Resolution : I request that Experian thoroughly investigate these accounts and take corrective action by removing or correcting the inaccurate information on my credit report. I also ask that they provide written confirmation once these issues have been resolved. 

I have enclosed copies of relevant documentation to support my claims. Please let me know if you need any additional information to resolve this matter. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received my credit report from Experian, XXXX, and XXXX after being released from Federal Prison ( BOP ) on XX/XX/XXXX. 
I have been incarcerated since XX/XX/XXXX. I noticed XXXX accounts is on my credit report that is not mine. 
I am a victim of identity theft. 
I do not know who used my name and SS number while I was in prison. 
I called Experian and was told to file a police report with my local police station.
Product: Credit reporting or other personal consumer reports

As i was reading my credit report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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: Debt collection

XXXX XXXX failed to provide services paid for ( Internet Access ) for several days and over the span of 3 months. Due to their inability to provide services, the account was closed and charges disputed. Received email communications claiming the company was reviewing the credits. Company stopped communicating and sent account to collections. Now CCS ( Credit Collections Services ) contacted me for debit. 

This should be illegal and how is a company who failed to provide services to me charging for those services.