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

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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

Bankruptcy # XXXX and XXXX is reporting on my Equifax report, provider of public record information is XXXX. The above bankruptcy numbers were reported by XXXX according to Equifax, XXXX consumer report shows no Bankruptcy, XXXX performed THREE TIMES an internal dispute with Equifax to remove public records off report but it still remains. Now Equifax is stating Bankruptcy information coming from XXXX with the U.S. Bankruptcy court ( which is false ), i was provided a letter they don't report public record information to the credit bureaus. I have also filed a XXXX complaint XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request an immediate review and correction of the information on my credit file. It has come to my attention that my personal information is currently being associated with my mothers name and birthday. This incorrect data needs to be removed, and my credit report should reflect only my own name and personal details. 

Details of the Issue : The credit bureaus have my information incorrectly listed under my mother 's name and birthday. 
I have checked my credit report and confirmed that this inaccurate information is present. 

Requested Actions : Remove any entries linking my personal information to my mothers name and birthday. 
Ensure that my credit report reflects only my correct information, including my name and birthdate. 
Provide me with an updated copy of my credit report after the necessary corrections have been made. 

Please take immediate action to resolve this issue. Should you require any further information or documentation to support my request I have uploaded my birth certificate and social security card and id, please feel free to contact me
Product: Credit reporting or other personal consumer reports

As i have previosuly filed a compliant with Equifax and XXXX that has been delt with appropriately. I have come to find even more inaccuracies within my credit report throughout all three reports. This time including XXXX, XXXX as well as Equifax in regards to derogatory remarks on Payment history 30 days past due, On time, Data unavailable from all three credit reports as well inaccurate dates and amounts on each one with CONSUMERS COOP CRED. I will be attaching and providing evidence in this complaint of these inaccuracies. As iv stated previously through the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX, XXXX and Equifax all being consumer reporting agencies as I am the Consumer. And 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states ''. 

Mainly these inaccuracies and issues are pertaining to the improper and inaccurate amounts throughout Payment History from what iv found or transaction history being reported throughout my credit reports on XXXX, XXXX and Equifax for XXXX XXXX XXXX. As stated from 15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting. With ( 2 ) Exclusions : ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; in itself reporting transaction history is illegal. ALL inaccuracies and remarks iv listed and attached to this complaint I want deleted off my credit report for inaccurate information in violation of 15 U.S. Code 1681e stating " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

As I have looked in my credit report Payment history for XXXX XXXX XXXX dates and amounts i've attached report different things that conflict with each other, as well as in violation of 15 U.S. Code 1681e as I've mentioned in the paragraph above however specifically ( b ) Accuracy of report 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. Again, ALL inaccuracies as well as derogatory remarks made on my credit report under Payment history and balance for CONSUMERS COOP CRED be removed as well as any adverse action related notations ( derogatory remarks in payment history ) removed and the status updated to Paid as agreed on XXXX, Equifax and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied auto insurance through XXXX and was sent a letter dated XX/XX/2021 stating that I was denied due to information obtained from LexisNexis Risk Solutions. On Tuesday XX/XX/2021 at XXXX XXXX PDT I attempted to contact LexisNexis by phone to obtain the information/reports that caused my denial for insurance coverage. After a series of automated messages I am given the option to press 7 to speak with a live representative. I press 7 and I am told that representatives are available Monday through Friday from XXXX to XXXX Eastern time, and it then says that I am also able to obtain information by going to XXXX and then the phone disconnects. As I am calling on a Tuesday at XXXX XXXX PDT ( XXXX XXXX EDT ) I should be able to contact a live representative to obtain my report without getting immediately disconnected. I also attempted to visit the provided website and selected " I received an adverse action letter '' where it then provides the following information and directs to call the number I provided earlier : " If you received an Adverse Action Letter An adverse action letter is sent when a carrier has not given a consumer the best rate for insurance or taken any of the following actions : Denied you insurance Increased your rates Limited your coverage Cancelled your policy If your insurance company has sent you an adverse action letter, please contact the LexisNexis Consumer Center at XXXX to request the information related to the adverse action. Please be ready to provide your first and last name, Social Security Number, drivers license number and state in which it was issued, date of birth, current home address and phone number. If your insurance carrier provided a reference number on the adverse action letter you received, please be ready to provide it, as well. This will help expedite the process. '' This is extremely frustrating and it feels like I am directed in circles to obtain the information on why I was denied coverage. I have also been the victim of identity theft so I am concerned that there may be possible fraudulent activity/information contained within my report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They inform me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

After closing a HELOC, a predatory mail phishing scheme started sending me confusing mailings. They made it appear that I was late in making payments, but they were actually trying to get my information and mail it here : XXXX XXXX XXXX XXXX TX XXXX I think that its a scam and have not replied. However I have received 6 separate mailings from them and think that they attained my information without my permission. They use red paper to imitate an overdue bill. They are not affiliated with the bank I open the HELOC
Product: Credit card or prepaid card

Wells Fargo participated in age discrimination as well as financial discrimination against my family due to it originating from unemployment-and attempted to abuse our personal reports
Product: Payday loan, title loan, or personal loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVY FEDERAL CU has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Bank account or service

Bank Of America Have Become Very Inhumane And Their Fees Are Just Unjust! In Less Than XXXX Weeks I Was Charged XXXX Fees Totaling {$490.00}. Some Of These Charges Are For The Same Items - Same Item Charged XXXX Fees ( Fee Charged For Paying Item, Fee Charged For Un-paying The Item And Then A Fee Charged For Overdrawing Account. Called Bank Of America And They Were Not Understanding Of The Depressing And Hardship These Fees Have Caused.
Product: Debt collection

Has Discover changed their payment policy since 2017? Are there now holds on payments to prevent thieves from making multiple payments in short period to exceed credit limit? This protects card holders as well as card companies. Discover allowed multiple payments in a very short time by thief who then exceeded credit limit.
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, to 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX XXXX Account Number  : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

charge off on credit history with a balance as well a collection with a open balance because of this apparent neglect in assuring everything reporting is accurate, consistent and up to date Experian, XXXX and XXXX reporting these account OPEN. 
to collection should not be listed a an open balance Please remove items immediately.
Product: Checking or savings account

I had bill pay with Navy Federal Credit Union, I was paying XXXX XXXX and Paid the account out and they said it was a right of my records show paid in full, also XXXX starting send payment back and at some point the account number was change to another account number on which I did not owe any money, The record show they took XXXX from my account to pay and account I owe no money and one which had know bill pay to automatic monthly how it was done at the credit union I do n't know this fraud I did not authorize this payment and I want to recover my fund that should not have ben to them any way nor was it authorized.
Product: Debt collection

Between XX/XX/XXXX to XX/XX/XXXX I moved to a townhome and the townhome was offering free cable, so I did not transfer my services with a company called XXXX XXXX XXXX. Between the time mentioned above I went in person to the XXXX XXXX XXXX on XXXX to turn in two cable boxes and 2 remotes. A female customer service employee took them and put them aside. Ask my name and said okay thank you. I left and thought nothing of it. I then saw that XXXX XXXX reported to the credit bureaus in XX/XX/XXXX that I owned them XXXX for services. I disputed the charges for 2 years until finally it was resolved and investigated in XX/XX/XXXX and XXXX XXXX removed it from my credit reports. It appears that XXXX XXXX sold the account or somehow maybe a mistake it was sent to a collection agency again and now they are saying again I owe XXXX. We took care of all this with the dispute in XX/XX/XXXX. Now it ' [ s coming out again and I do not owe this amount. I would like this off my credit report again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : {$43000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank. Cut my limit from XXXX to XXXX I owe XXXX was never late and never missed a payment since having the card they hurt my credit rating and caused undo stress in these hard times this happened on XX/XX/2020 2020
Product: Debt collection

I had a Debt to XXXX, NCB bought the debt without my written consent. And filed it on my Credit report. I did not authorized a 3rd party Debt collection agency to buy my Debt. I signed no paperwork and therefore I am no Longer responsible for any Debt owed. It has consistently stayed on my credit report. After multiple failed attempts disputing and asking to receive the Right documentation with my Written signature, stating I authorized the buying of my Debt and any agreements along with it to pay it back none were produced. And it needs to be immediately and effectively removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve these issues with the companies but i have not been able to get anywere. The following account are not mines : XXXX  XXXX/XXXX {$210.00} XXXX XXXX/XXXX   {$260.00} XXXX/XXXX {$310.00} XXXX/XXXX XXXX {$440.00} XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX/XXXX XXXX {$760.00} XXXX  XXXX XXXX {$890.00} XXXX/XXXX  {$0.00} XXXX/XXXX  XXXX {$1100.00} XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX. 
{$1100.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX {$380.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX Bankruptcy
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I added XXXX dollars to my Venmo account. I've been trying to transfer the money back to my account since then and Venmo will not let me get my money back. I've tried to do an instant transfer, a standard transfer and sending it to there Venmo users so they can cash it out and cash app it to me and no matter what I do or who i send it Venmo will not allow the transfer. I've talked to customer support and they have said that there is nothing they can do so they stole XXXX dollars from and I want my money back.
Product: Credit reporting

I have been disputing a business account that is reporting to my personal credit profile by the credit provider, I have disputed this item for some time now and have not received any documentation from the credit provider or the credit bureaus regarding their investigation process or any documentation they reviewed regarding my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX XXXX  the bureaus have refused to open an investigation on the following cases. XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX and Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Equifax At this point the bureaus are in direct violation of the FCRA guidelines and have passed the time allowed to start an investigation . I am now requesting permanent deletion. Attached is proof of the disputes that I have sent for these accounts and also proof of my identity. I have attached my driver 's license and utility bill. Please considered this my written authorization. 

Thank You
Product: Student loan

Hello- XXXX of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX. As a matter of fact, The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) were investigated by the Federal Department of Education. 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as The XXXX XXXX XXXX XXXX, I was able to file a XXXX XXXX claim with the Dept. of Education against The XXXX XXXX XXXX XXXX, and my Federal loans of {$34000.00} were discharged and my credit repaired. 
My XXXX XXXX XXXX was also part of the XXXX XXXX XXXXXXXX settlement for which I was a full class member. 

I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. After the XXXX settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to " select '' students who may have filed XXXX XXXX claims against their schools and were approved. This application is a sham. Why do we need to " prove '' anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online " for profit '' colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online " for profit '' schools NOW! 

Thank you! 

XXXX XXXX XXXX XXXX : Loan Number : XXXX Loan Type : PRIVATE Current Owner : NAVIENT PRIVATE LOAN TRUST Current Payoff : {$34000.00} REFERNCES : XXXX XXXX XXXX XXXX XXXX