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

Dept of Ed Navient for XXXX account number XXXX XXXX  XXXX XXXX XXXX XXXX pa XXXX This is XXXX XXXX making a complaint against The department of Navient. Over the last couple of years I have called navient over and over again asking them to look into and remove this account noted above. I have stated that this is not my account. I have a loan with them from XXXX University and XXXX University I'm not disputing that, but I am disputing this one account that they can't tell me anything about other than it came from a company called XXXX XXXX. Upon talking to them on XX/XX/XXXX I was told that there was nothing that they could do for me to call XXXX. From there I was told to make a complaint and they will go from there. I proceeded to state to tthe young lady on the phone that navient also tried to send me a letter after all conversation on the XXXX of XX/XX/2020 stating that I requested a name change and to fill out and return. This was not the case I never asked for a name change. I asked them to remove an item that was not mine as they had done on XXXX  but yet it still remained on XXXX  and XXXX. Now, they removed this last year so I'm thinking that everything is fine until I went to pull my credit again this month and to my surprise it's still there. What they tired to do after speaking to me was trying to do is make me responsible for this account by asking me to put in a name change. I have also was written them letters stating that this was not my account last year around XXXX. I've also complained about this account on numerous occasions years before and it still shows up on my credit report and in there system. At one point they took it off of my XXXX   and when I saw it came off I ask them if they could take it off all 3 reports reflecting what was on XXXX. This item is stopping me from moving forward on buying a home and I like for navient to remove this item from my credit report as well as their system leaving me only on them for XXXX and XXXX University. buy them trying to get me to do a name change is deceitful and I feel like they were trying to call me into being responsible for this loan they got from XXXX XXXX. and I've also noticed when I open up my account with them they have me under another name The name is XXXX this is not me.
Product: Credit reporting or other personal consumer reports

After being attacked with fraud towards many of my accounts I decided to pull my credit report after filing multiple fraud reports. I have been a XXXX patient during the times of these inaccurate and impermissible inquiries. The dates of address, phone numbers, bank cards, employment history, educational loan status is not right. I believe as it was explained to me by my advisors that my right has been violated under the, - FCRA Violations, Section 609 Stipulations, 15 USC 1692, 15 USC 1602, 15 USC 1601, and 15 USC 1666 are all in the investigation report received from TransUnion and its third-party consumer investigation. I took the necessary steps with locking my accounts and reporting these fraud attempts. My TransUnion file number is in my report. 

Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inspite of many previous requests to Experian, XXXX, XXXX XXXX XXXX, this letter is a formal complaint that XXXX is willfully reporting inaccurate credit information of zero payment on XXXX Account on XX/XX/2019. But, it was duly paid. See the bank transaction in the attachment furthermore XXXX REFUSED TO GIVE ME AN UPDATED CREDIT REPORT AFTER PROVDING GAS BILL AND DMV
Product: Credit reporting or other personal consumer reports

Upon viewing this contract Pac Auto Finance is in violation of fraud and security fraud I got the proof in this contract yesterday I revoked all rights over all contracts including # XXXX and any security tied to my social security number
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Used multiple, aggressive forms of communication. I have unsuccessfully tried to resolve the debt of a monthly payment of 5 % of the total debt and pay the full debt, rather than a lesser settlement. They stated they would either only accept 10 % of the total debt as a monthly payment, or half of the total debt in full. When I did not agree and questioned options, they stated they would rather keep my account in collections on their terms rather than accepting any form of payment from me. Not only unprofessional communication, but rude and aggressive threats of retaliation.
Product: Credit reporting or other personal consumer reports

The following company was able to apply incorrect information on my credit report without this information being validated for accuracy, Ive been contacted via mail and calls even after I've told them more than 9 times that this information is incorrect. 
15 U.S. Code 1692c XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XX/XX/2020 I was notified by Wells Fargo that to continue to receive mortgage services I needed to enroll at wellsfargo.com ; my mortgage had been purchased from another bank and was part of a third-party website wellsfargo.com/XXXX  ( XXXX ). Wells Fargo was migrating my mortgage to an " in house '' mortgage and I needed to enroll with the " main '' website. 

In XX/XX/2020 I had a phone call with a Wells Fargo person who said my account was migrated and gave me a new account number. 

XX/XX/2020 I could not log in to the website. After being transferred I was told by a Wells Fargo person that I had to provide personal information to move the mortgage to the new website. I was told I needed to provide information to fulfill government requirements fighting XXXX  and money laundering which is required when opening an account. I pointed out that I was not opening an account. I was told that it was a new account for Wells Fargo. I said I should not have to provide information as the mortgage was already existing and I am not getting a new mortgage. I was told I had to provide information for the new account. 

The information was : SSN Full name Address Birthdate After I provided the information I was told " I have successfully confirmed your identity, I will send the information over, and in three business days you can go to the website and click on Enroll Now. ". 

Clearly I am not opening an account, I should not need Patriot Act information because a bank is migrating my account to a new server inside their company. 

The number I called was XXXX, then I was transferred " I'll have to transfer you to the mortgage department '' but no number was given. 

Also the person answering the phone said " there are notes on your account so that when you call you will provide this information, but not everyone knows how to enter the information, I can do that for you now. '' XXXXEDT Monday XXXX
Product: Mortgage

I have been fighting with my servicers for a number of years in regards to my mortgage. I say servicers because I have been switched around from one servicer to the next over the past couple of years. My present servicer is Select Portfolio Servicing which I will refer to as SPS. I am completely frustrated with SPS. It appears to me that they are totally ignoring laws, rules and regulations that they are required to adhere to. After much research, I decided to mail SPS a Notice of Rescission, cancelling my deed of trust and debt. I mailed them the letter on XXXX XXXX, 2015 and they received it on XXXX XXXX, 2015. It is my understanding that Congress enacted the Federal Truth In Lending Act ( TILA ) to be self-enforcing. Upon mailing of the letter, TILA automatically extinguishes the lien and the liability of the lien. The security interest is void and of no legal effect irrespective of whether SPS or the true creditor makes any affirmative response to the notice or not. The voiding of the security interest is not a procedure in a step to be followed, it is automatic by operation of law. Because the notice of rescission is self-enforcing and the deed of trust is canceled by operation of law, there can be no legal foreclosure. Because there can be no legal foreclosure, any and all foreclosure against my property currently ongoing must be canceled forthwith. The auction currently scheduled for XXXX XXXX, 2015 must be canceled immediately. Under TILA, SPS, or the true creditor, had twenty ( 20 ) calendar days to dispute my rescission letter by filing a declaratory lawsuit against me. SPS nor the true creditor took any action against me. Since they have failed to take any action, SPS and the true creditor, have given up all rights or claims for the money they allegedly loaned to me. They have waived any all defenses to the rescission and they are now in violation of Federal law. Under TILA, my debt is not only unsecured, but it is eradicated starting with the rescission notice and ending with their failure to comply with TILA within the twenty ( 20 ) calendar day period. If the rescission letter is self-enforcing, it bewilders me why I have to go through such measures for them to abide by the law. Under TILA, SPS had to take mandatory steps, one of which was to provide me with a release of my mortgage and the other was to refund me all proceeds resulting from my loan. They failed to follow these mandatory steps. I am writing this complaint because I am actually mortified by their blatant disregard for the law. I respectfully request that you immediately review this case in critical detail and inform SPS of their wrongdoing.
Product: Credit card or prepaid card

Earlier this year Barclays called me asking about why not staying current on card. I advised I was, but because of a dispute over a late fee, it spiraled out of control. Several attempts were ignored and nothing done. Agent arranged to call me back later that day. 

I call Barclays when agent missed call back time. Retold story and got no where. Gave up. Frustrated took some time and called back. 

Agent worked out agreement and advised amount needed to be paid and late fees will be removed. Interest to be recalculated. Payment made. Call ended. 

Time goes by next bill arrives and again past due! Call in and was advised a payment plan and reduced interest can be offered. So I take it. Letter confirmation was to be sent. ( Never received ). Payment to bring compliance and make initial {$33.00} payment was made with agent. 

Next bill again past due. Credit continues to be damaged with bad payment statuses. Barclays doesnt care. Bounced around finally get a USA supervisor. Situation explained and supervisor is just confused. Supervisor looks up call records and requested tape pulls. Follow up to occur which never happened. Minimum {$33.00} paid. 

Call back at next bill and still past due with no response, minimum XXXX paid again. Bouncing around again finally get USA supervisor. Supervisor reviews notes and understands situation. 

When payment agreement was made was after bill closing date, but still in old cycle. This was late XXXX. Agent making agreement caused problem by putting into XXXX and not correct month of XXXX. 
Supervisor takes info and supposed to call me back. No call received. 

Communication to Barclays via secured online email is generic unrelated responses. Letter sent by via USPS advising that matter is still being investigated. 

Received letter advising account is being transferred to XXXX. Now I have no agreement from Barclays. Continuous unresolved disputes against Barclays, whom is only delaying resolution until account transfer. 

Unacceptable. Barclays needs to keep this account resolve the issues and update the damage they caused to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently living in XXXX XXXX and on several occasions, I have requested a credit report from all three credit reporting companies. Since my address is overseas, the credit reporting agencies will not change my address from the old XXXX XXXX, XXXX XXXX, XXXX AP XXXX. My current address is XXXX XXXX, XXXX, XXXX XXXX XXXX. 
Can you require all three agencies to send the credit report requested to the XXXX residence above? If you required, I will provide you with my SSN Thank You XXXX XXXX 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 XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX 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

My name is  XXXX   XXXX ,  SSN   XXXX  DOB  XXXX / XXXX / XXXX  I used to have  XXXX  credit cards with  NFCU  back in  XXXX , long story short, I ended up in the hospital and unable to make  payments, account went charged off, I contacted NFCU because the amounts just do n't add up to me, I asked NFCU for a full account audit including contracts signed between NFCU an d me showing my signature as well as a FULL account statement showing why my account is that balance in both of the credit cards by law, if they can not provide with these items, they MUST REMOVE the records from my credit report and they have failed to do so. Also, they have  XXXX  account showing twice in my credit report, so instead of it being  XXXX  accounts it shows  XXXX  accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> Dispute of Credit Impact Due to Experian Data Breach I am writing to file a complaint regarding the impact on my credit due to the data breach involving Experian. I believe that the breach has resulted in unauthorized or inaccurate information on my credit report, negatively affecting my credit score and financial standing. 
I have reviewed my credit report and found discrepancies that I suspect are linked to the breach, including unfamiliar accounts, inaccurate inquiries, or other suspicious activity. Despite contacting Experian to resolve these issues, I have not received satisfactory action to correct my credit report or mitigate the damage caused. 
As a result, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) review and delete all accounts off my credit since the data breach. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on information I received indicating that Equifax 's credit freeze website was not entirely secure, I called Equifax to request that a credit freeze be placed on my account. I was told that, in fact, I could not have a credit freeze put on my account via phone. Instead, I was directed to the Equifax website and told that the only way I could put a credit freeze on my account was to go to the website. I told the customer service rep that I did not want to use the website and did not trust the website. No change. I asked to speak with a supervisor and was told that one would not be available for another 15 minutes. I said I would wait. About a minute later, the same rep came back on the line and said that the supervisor had told him to tell me that the Equifax website was fine and that I had no other options. I asked whether I could still speak to the supervisor and the customer service rep told me he was " very busy '' and would not be available for quite some time. 

I find Equifax 's response to what is a massive security breach to be callous, at best. They created this problem. They are in no place to be dictating how we try to fix it. Both XXXX and XXXX allow credit freezes to be put on a file via phone. When I called Equifax 's line, they said that I could not do so. This is completely unacceptable and only serving to put additional barriers in the way of people who want to take the necessary steps to protect themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently pulled my credit report and noticed the following account ( XXXX ) reporting in error from an unreliable source that is harming my credit and good character. Please investigate and delete : XXXX XXXX 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 : Investigate and delete this medical account because it inaccurately provides information sufficient to infer, the specific provider of the XXXX XXXX I received ( which is the medical providers name ).

15 U.S. Code 1681b - Permissible purposes of consumer reports ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer.
Product: Vehicle loan or lease

I traded in my car early with XXXX XXXX Kia in XXXX on XX/XX/XXXX. It was a quick process but they made mistakes on paperwork so I had to miss work to go back on XX/XX/XXXX to resign documents. I begin receiving calls from Kia Finance in XXXX because the loan was never paid off after the trade in. I continued to receive calls from Kia Finance and letters for several months. I called the dealership several times, no one answered or returned my calls. 

I spoke with salesman XXXX XXXX in XXXX in an attempt to solve the issue. After receiving a check for pay off difference I received a call from another employee on XX/XX/XXXX who told me that they attempted to pay off the vehicle but the payment was sent back to them. I was told that the check was sent by mistake and that they still hadnt fully paid off the vehicle. 

I continued to receive daily calls from Kia Finance telling me that I was responsible for the debt. The last call I received was on XX/XX/XXXX when I was informed that the dealership improperly grounded the vehicle upon trade in and that I was still responsible for the debt, despite not having the car in my possession since XX/XX/XXXX. 

As of XX/XX/XXXX, the vehicle was finally fully purchased by XXXX XXXX Kia, however, the process was grossly mishandled by the dealership. XXXX XXXX Kia failed to properly ground the vehicle and pay off the remainder of the lease in a timely manner despite signing off on documents stating that I was no longer responsible for the car.