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

XXXX accordance with the fair credit reporting act XXXX accounts has violated my rights XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX- XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX- XXXX XXXX- XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Setion 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid to check my credit report and also verified or compared my credit report through XXXX XXXX. On both ends shows an account as opened when it should be showing closed. I have submitted several disputes with Equifax to correct this issue but the account still remains open after Equifax stated the account is now closed. The first attempt was in XXXX XXXX, XXXX to start and have them correct this. Later I find it still open so on XXXX I filed another dispute with Equifax to have closed. I spent {$39.00} for a Credit Report through Equifax. On XXXX, I addressed this issue again. Spent another {$39.00} for a Credit Report. As of today XXXX, XXXX XXXX still shows an Open account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a XXXX Veteran and had no income for over 2 years. Because of this I voluntarily surrendered my vehicle to XXXX XXXX and set up payment plans through XXXX on XX/XX/18. I have been adhering to the payment plan since then. 

TransUnion is reporting the auto loan twice under XXXX XXXX XXXX and XXXX XXXX Services. TransUnion reports as bad debt. No mention of paying installments as agreed. No revision to the balance owed. 

I have contacted the credit reporting agencies, XXXX XXXX and XXXX with no success of getting anything updated. 

XXXX XXXX account # XXXX XXXX  account # XXXX
Product: Debt collection

We moved from XXXX to XXXX and went to XXXX XXXX to purchase furniture. They falsified financing information to me. I signed and agreed to pay {$1400.00} for furniture. The Company sent different paperwork after we got the furniture home. They are now trying to charge us {$3000.00}. I tried to set up a payment plan with the original financing Company. They denied money unless it was paid in full. This is unacceptable business practices from top to bottom.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fat along with naviant at XXXX XXXX since XX/XX/XXXX at which day failed to provide me with information on the income based repayment program as well as Ombudsman group advise them to remove all credit reporting on payment history prior to my bankruptcy on XX/XX/XXXX and they still after 2 years of complaints have failed to do so which is causing a negative effect on my credit bureau as well as fifteen years now in late fees repayment for XXXX 's deferment they never once advised me of the option of income based repayment program which makes my account balance a XXXX amount owed every month due to the fact of being a single mom of XXXX children. So I want to file an official complaint against baby and in regards to never vitamin all information which could have assisted in repayment options for the last 15 years as well as increase balances of {$5000.00} in the last 15 years as well as late fees and they refused to advise me of the information in regards to trying to include myself in the mass litigation against XXXX
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

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: Consumer Loan

A person took out a student loan in my name. This is fraudulent activity. Below is the letter I am sending today : XXXX XXXX, 2016 Navient Attn : Fraud Department XXXX. XXXX XXXX XXXXXXXX XXXX RE : XXXX XXXX Fraudulent Activity Against Me by Navient Dear Fraud Department : Today I was contacted by a Navient representative regarding Account # XXXX with an address as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have never lived at this address nor do I know anyone who lives at this address. Remove me immediately from this fraudulent loan. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX cc : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/year>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Credit reporting

I had a credit card with my ex-husband as co-applicant. When we divorced, he was taken off the card and the credit card company reduced the credit limit dramatically. On my credit report it lists the " High Credit '' as {$14000.00}. The current credit limit on the account is {$8000.00}. I do n't remember ever having a balance of {$14000.00} on the card. Is that the earlier credit limit when there were XXXX of us? Is this something that should be ( or can be ) corrected on the report? Does it affect my credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

The equifax security breach has affected me greatly. I have spent years trying to rebuild my credit only to have my score dropped by XXXX points due to this security breach. Im terrified that someone is using my information to ruin my good name and steal my money. I now have to go through countless measures in what seems like a hopeless effort to fix a problem that I did not create. I have notified equifax that I was affected in their security breach and I enrolled in their program but I have yet to hear anything back from them at all. Not even a confirmation letter letting me know that they got my request.
Product: Credit reporting or other personal consumer reports

MY SOCIAL AND MY ID WERE STOLEN, THERE IS INFORMATION ON MY REPORT THAT DOES NOT BELONG TO ME PLEASE HELP THESE ITEMS DO NOT BELONG TO ME INQUIRIES- XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX RESIDENT VERIFY XX/XX/XXXX XXXX XX/XX/XXXX ACCOUNTS - COMPLCREDI - XXXX - NOT MINE NEVER HAD THIS ACCOUNT - THERES NO AGREEMENT OF ME AND XXXX THIS IS IDENTITY THEFT - XXXX XXXX XXXX  - XXXX - NOT MINE NEVER MINE THERE IS ANOTHER PERSONS NAME ON THIS ACCOUNT PLEASE HELP THIS IS WRONG - REGIONALAC - XXXX - NOT MINE NEVER MINE - REMOVE THIS ALL MY INFORMATION WAS LOST - THIS IS WRONG THEFT REPORT ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : US DEPT ED Account Number : 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 XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : Dept of ED/XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : This also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( A ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following items of information : Any 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: Mortgage

We are refinancing with another financial institution, we need our mortgage to be assigned to the new lender. We have spent hours on the Fone ( it takes 45 minutes to a full hour to be able to speak to a rep ) to get the department that handles that, but the reps answering the call dont understand what we need and is unable to get us to the right department. We had one operator that promised that we would get an email from them with the information but nothing was sent nothing was received
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 FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX APT XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

chase sw visa  closed my account without notifying me i was traveling with my son for hockey tournament and when we got into XXXX my cc which i used to secure rental card would not work we were stranded without a rental car. i called and after XXXX minutes on hold a VERY callous individual got on and basically didnt care at all about our situation. i also have a credit balance on my card as i over paid.
Product: Credit reporting or other personal consumer reports

XXXX dropped me XXXX points over a late payment to Kikoff. Reporting late payments is illegal see FCRA. Also this was not a late payment it was a new loan with kikoff. My XXXX was supposed to raise my credit score due to my first loan being paid off with Kikoff and yet they never raised my score by over XXXX points like they were supposed to after all loans were paid off. Its was never corrected and additionally dropped me XXXX points over inaccurate info so altogether I lost over a XXXX points over inaccurate info.
Product: Checking or savings account

My card was stolen and Chase will not re-imburse me for the money that was used when the card was out of my possession. 

Multiple transactions- {$870.00} Reference # XXXX I was also scammed and Chase will not re-imburse that money Multiple transactions- {$850.00} Reference # XXXX
Product: Checking or savings account

I deposited a check into my checking account with chase bank. It was upload thur the mobile app. It cleared and the bank put a hold on the check. I ask why was it on hold and I was told. Its a possibility it could be fraud or a bad image or the check was altered. So chase told me that the check will come back as fraud and once it do they will close my account. I told them that check is not fraud. I wait the 7 days and the check did clear. So they told me if it do clear no matter what there still closing my account. They also told me they will release the funds in the form of a check and mail it to me. And still close the account. I havent yet receive the check. Still waiting for it to come in the mail. My concern is why is my account being closed if the check has cleared. I never had any issues with my account. And chase isnt it giving me any explanation to why. This will effect my banking history. Please Help me with this matter. Im not being treat fairly
Product: Credit reporting or other personal consumer reports

Upon checking my credit profile, I noticed a couple of unfamiliar inquiries on the report. After trying to dispute the inquiries with the company ( Equifax ) I was asked to file an identity theft claim to proceed any further in which I did and later showed proof of the report to the company and was sadly given no update nor proper help with the issue.
Product: Credit reporting or other personal consumer reports

I dispute credit card that I did not open and they still didnt do anything about it my ex gf open the credit card in my name and I explained this to them and they still didnt do anything she also took out a loan for XXXX from XXXX and credit card for over XXXX with my social security card signing documents when I wasnt there to sign any documents to take out the loan
Product: Credit reporting or other personal consumer reports

I am trying to apply for a home equity loan. The lender XXXX was trying to pull a credit report to verify my credit. Equifax has refused to provide credit report to my lender stating that they believe it is for fraudulent purposes. 
I have contacted Equifax many times and they will not release the report. I have send them my social security and ID multiple times but they still will not release my credit file.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern : I am disputing inaccuracies in the reporting of my account ending in XXXX. The account contains the following discrepancies : Inconsistent Reporting of Dates : Last activity and closed dates differ across XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 
Balance Reporting : The account is marked as closed and charged off, yet a balance of {$1900.00} is still being reported inaccurately. 
Account Type and Payment Details : The account type and payment details are inconsistent across the bureaus. 
These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) under 1681s-2, which requires creditors to furnish accurate and complete data. I request that the account be reviewed, verified, and updated to reflect consistent and accurate information.

Please provide a response within the 30-day investigation period as required by the FCRA.
Product: Mortgage

Freedom mortgage received double payments on my monthly loan. When I realized what was going on I asked them to stop pulling payments as I had payments already pulled for my loan. I asked for the additional payments to be refunded back to me. The customer complaints escalation team confirms 3 bi-weekly payments were duplicated. However each time I call in - NO one will give me a number to call them back and NOONE has a direct line or an extension for me to call back to. Each time I have called I speak with anyone new. each time we have the same conversation ... they want to only reimb me 1 payment. Each time it always concludes with yes they owe for 3 bi-weekly payments and that the money will be mailed. I wait, after NO refund -I call back in and start the complaint all over again. NO notes are placed in my file, No one that I talk to has a direct line or even an extension for me to call. They all promise to expedite the refund, but no payment is recieved. I started this process on XXXX XXXX! on XXXX XXXX I was given only a portion of the full refund owed me. Again when I called, I was told they first show no refund, then they will pay one and then this last time they need my XXXX payment in full before they can reimburse the " additional " payment that has been on my account since XXXX. I feel I have been patient long enough. I also feel that if I were late on my payments I would be charged interest and a late fee! My bill stated if my payment is not received by a certain date I will be assessed a {$42.00} late fee. I now think they should pay me interest as well as a late fee for the days I have waited for my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a fourth Follow-Up Letter ( XX/XX/XXXX ), a Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), and seventh a Follow-up Letter ( XX/XX/XXXX ). In total, I have sent seven letters asking for a correction to my credit report. 
To date, I have had to dispute incorrect auto collection along with inquiries that are not mine seven times. To date, I have not received a response from any of the credit bureaus on the inquires, or the confirmation of the removal/deletion of the auto collection even with the extensive supporting evidence discrepancies found on my credit report from all three credit bureaus. 

The auto collection : XXXX. XXXX XXXX  with account number XXXX for the original creditor " XXXX XXXX XXXX, XXXX '' for the initial amount of {$30000.00}. This auto-collection has not been removed/deleted even with the extensive evidence. I have attached supporting evidence to show this auto collection is not mine with discrepancies. 
The inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I purchased a subscription thru XXXX XXXX XXXX and was charged XXXX paid to XXXX XXXX XXXX  I never received tracking or the item I bought I purchased thru PayPal I disputed with PayPal who sided with the merchant who provided no tracking and or product I want a refund asap
Product: Debt collection

Affirm was created fraudulently in my name. I provided them proof of a police report & they refuse to remove it from my credit report. There is several accounts that were opened and none of these were opened by me. They are fraud!
Product: Student loan

My student loan was transferred from Nelnet to Sloan Services in XX/XX/year>. In short Sloan Services has not provided me with any information on the transfer. I contacted Sloan Services in XXXX and in XXXX to request specific information on my loan to ensure there were no changes in interest rate, principal payment, loan amount and pay period. Each time a Sloan representative stated that someone would have to contact me on my account. I tried filling a complaint on the Sloan Service website this evening and was provided with an error message stating my complaint could not be processed at this time. Please have a team member contact me at ( XXXX ) XXXX. I would like further information on how to resolve this matter. Thank You
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Ive been seeking validation for derogatory items reported to my credit report since the XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.