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

I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the three major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Experian, Experian XXXX, and XXXX continue to report an alleged eviction and charge off from XXXX XXXX XXXX XXXX which caused me to be denied credit which is my right. These damages caused me housing and furthermore neither company has my consent to report anything about me. XXXX will not respond to my disputes written or in this CFPB portal. It is against the law to release my information without my written consent furthermore you're trespassing upon copyrighted and trademarked property. XXXX states they are sold information from Experian and that is who verified the information but I have received no proof from either that they have submitted for me to validate this debt. Experian, Experian XXXX, and XXXX is selling my information therefore you need my permission as it is my proprty and I have given no such consent written or verbal. I did not sign up for your companies to report anything about me.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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

OAC is contacting me about a fraudulent account that I have told them was fraud, they are now reporting the info to my XXXX report that is a result of id theft in violation of FCRA Section 605b.
Product: Credit card or prepaid card

In accordance with the Fair Crediting Act, this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C. 1681 Section 604 a. Section 2 it also states that consumer reporting agency can not furnish an account with my written instructions. Under 15 U.S.C. 1666B states a creditor may not treat a payment on a credit card open-end consider credit pan as late for any purpose.
Product: Debt collection

Found a collection on my credit reports in the amount of {$8200.00} from portfolio recovery. XXXX XXXX  was the original debt. I never had such account. I disputed several times but it keeps coming back verified but no information is provided to me to prove verified. It's not my debt and I ask them to provide photo id, signature and address that was used to open such account but they have not provided that. The only thing they gave was name original debt and when it was opened
Product: Student loan

I am writing to formally request a complete and total discharge of all of my student loans held by Navient because of their misleading and misguided practices as well as their misrepresentation and their failure to provide correct and proper information and guidance pertaining to my student loan repayment options. 

Navient misguided me into choosing forbearance and deferment options, year after year after year, instead of guiding me toward income driven repayment plans that would have allowed me to obtain more affordable payments that would have eventually led me to student loan forgiveness. With the steering away from the income driven repayment options, my loan amounts continuously increased to amounts that surpassed the original amount of the loan. These incidents caused my credit score to repeatedly plummet and cause a financial strain which has made it difficult for me to obtain my expected financial obligations. 

Also, Navient has a sorted history of misreporting my payment status to the necessary credit agencies which overwhelmingly damaged my credit score. The inaccurate information provided by their representatives has interfered with my ability to obtain a more fair and equitable repayment options which has contributed to an astounding amount of accrued debt. These unfair and unscrupulous practices are consistent with the company 's boundless fraudulent actions for which Navient has been sued by many states and the Consumer Financial Protection Bureau ( CFPB ). 

Navient 's practices have caused me a great deal of financial harm, undue stress, anxiety and a lasting financial burden which could have been avoided with fair guidance concerning my student loan repayment options. I trusted the agents that I spoke with on numerous occasions to help guide me in the best decisions regarding my student loan repayments. This unfair practice has created an unnecessary and unjust financial burden and I would ask to have all of my student loans fully forgiven. 

Thank you for reviewing my request. I am hoping that CFPB will take the steps and actions to hold Navient accountable for their unfair practices and provided complete student loan forgiveness.
Product: Credit reporting or other personal consumer reports

The accounts listed below doesn't show the actual date the accounts are charged off and actually doesn't show a true reflection of the payment history. What's sad about all of this is most of the history shows XXXX not reporting or XXXX  unknown. I also noticed that since the accounts has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off account should Not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 

XXXX XXXX XXXX It states on report last payment XX/XX/year> but no payment reported just C/O based on credit report & Trans-union XXXX XXXX XXXX XXXX Payment history doesn't reflect the results received, and this report was pulled 2 days ago. There's inaccuracies of what was provided and what's actually reporting. 

XXXX XXXX Payment history is not reporting accurately. Also, this account states on the report paid in full and was a charge off account. This debt is no longer owed to this creditor based on the statement from your own report. 

XXXX XXXX XXXX XXXX XXXX after update and now reporting a payment history. 

XXXX XXXX XXXX XXXX after update and now reporting a payment history. 

XXXX XXXX XXXX XXXX XXXX after update and now reporting a payment history. 

XXXX XXXX XXXX XXXX Based on the response from your company on XX/XX/year> this account was deleted, but it's still showing on my credit report with no payment history and a collection status. How is this feasible? How can an account go straight to collection with no payment history. 

XXXX XXXX XXXX XXXX XXXX Again, this is another account showing no payment history, but it's in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX it was reported in my credit report I dont have any services wth this company I called they said I have to call else where because they couldnt help me since I wasnt in there system.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing on behalf of a federal award recipient authorized by the U.S. Department of Health and Human Services ' Office on Trafficking  in Persons ( please refer to the attached Confirmation of Authorization ). The XXXX XXXX XXXX has verified and determined that XXXX XXXX is a victim of a severe form of trafficking in persons under 22 U.S.C. 7102 ( 11 ) or sex trafficking under 22 U.S.C. 7102 ( 12 ), making them eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142 ( see attached rule ). The XXXX XXXX XXXX is dedicated to advocating for the rights and welfare of individuals affected by human trafficking and debt bondage. We have identified XXXX XXXX case, which we believe deserves your attention and expertise. In our mission to support victims and collaborate with stakeholders to eradicate human trafficking, we've identified an issue with XXXX XXXX credit report, which contains an outstanding debt likely connected to a case of debt bondage. This debt raises ethical and legal concerns due to possible fraudulent or coercive practices leading to an unjust financial obligation. We respectfully request your assistance in blocking and removing any negative accounts linked to XXXX XXXX credit profile. Thank you for your attention to this matter. We look forward to collaborating on this important issue. Please feel free to contact me at any time. Best Regards, XXXX XXXX Founder & CEO
Product: Mortgage

Our previous mortgage holder transferred our mortgage to HomeBridge Financial in XX/XX/XXXX. We have always paid our mortgage payment and sent an extra check for {$1200.00} to go toward our principle. Since they have become our mortgage company, they have applied that extra check as another mortgage payment and then applied the extra as the principle. This happened in XX/XX/XXXX and in XX/XX/XXXX. They are now saying we do not owe a payment until XX/XX/XXXX. Instead, we want that applied as principle to help our interest payments. I e-mailed the company on XXXX XXXX, 2016 asking them to correct this and all I get is assurances that it has gone to their accounting department.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5500.00} Status Account charged off. {$25000.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$620.00} Status Account charged off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$2400.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : not my names XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXXXXXX XXXX, TX XXXX Resident type XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX family XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
AMEX XXXX Date Opened : XX/XX/2017 Balance : {$8100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXXXXXX XXXX XXXX XXXXXXXX ... XXXX XXXX XXXX XXXX ... SEQUIUM ASSET SOLUTION ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Vehicle loan or lease

My husband and I had a car loan through Wells Fargo. He became XXXX and we contacted we contacted Wells Fargo and stated we could not pay for the vehicle anymore. We tried five times. The Vehicle sat in our yard for XXXX years rotting as junk since it had electrical problems and we wanted them to repo it. Every time they told us they do not repo vehicles. Last year in XXXX we were contacted by the IRS with a letter stating Wells Fargo claimed a 1099 in the year XXXX. They sent it to our old address even though they knew we had moved so we never received the 1099 since taxes do not get forwarded. We found out they claimed a 1099-C cancellation of debt and now we owe the IRS {$3200.00} that we do not have. My husband is still XXXX and I am work XXXX jobs to make ends.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Social, ID, Identity Theft report
Product: Vehicle loan or lease

Please be advised I paid off Bridgecrest the middle of XXXX, with a refinance from XXXX XXXX XXXX XXXX they cashed the check on XX/XX/2020 and have refused to show the account as paid in full. 

I have been contacting them to resolve this issue since XXXX with no resolution.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/XXXX I signed up for a chime debit card using my friends link. so we'd both receive a {$100.00} incentive. It requires the referee to receive a direct deposit of min. {$200.00} within 45 days. I signed up and waited. Finally I received the following email : " Use the correct details in this email when setting up direct deposit -- - '' Hi XXXX, Letters with incorrect direct deposit setup details have been sent to Chime members who ordered a Chime card between XX/XX/XXXX and XX/XX/XXXX. The correct information is as follows : '' If youve unsuccessfully attempted to set up direct deposit using the prior information, please try again with the new information provided above. 

Your Chime card and Chime app display your correct bank details. Your account number remains the same. 

If you have any other questions, were here! Call our support team at XXXX ( XXXX ) XXXX or tap the chat icon in the Chime app anytime. 

Sincerely, The Chime Team '' -- - Using the incorrect routing # sent to me by Chime caused a delay of my direct deposit going through thus, disqualifying us for the $ XXXXi incentive. I have sent numerous emails and called and spoke to agents who promised to help me several times, yet no resolution. I expect Chime to honor their offer and pay us our {$100.00} we've met all requirements on our end. I shouldn't be penalized for Chimes mistake. 

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

accordance with the fair credit reporting act XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Has violated my rights 15 U.S.C. 1681 SECTION 602 States I have the right to privacy 15 USC 1681 Section 604a Section 2 it also States a consumer reporting agency can not famish a account without my written instruction
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 1681.

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

On XX/XX/2020 I filed a complaint with CFPB for Credence Resource Management, through the CFPB for the debt titled XXXX  for {$980.00}, they removed the debt back then but then put it back on it this past XXXX. 


This is predatory, this isn't mine. That's why you guys had them delete it in the first place. 

Here 's the previous complaint XXXX It was removed for 9 months until it came back. This is not y debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ActXX/XX/XXXX Account # XXXX XX/XX/XXXX XXXX Account # XXXX XX/XX/XXXX Account # XXXX XX/XX/XXXX XXXX XXXX Account # XXXX DEPT OF EDUCATION/XX/XX/XXXX Account # XXXX DEPT OF EDUCATIONXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a concerning issue regarding the personal & financial privacy notices and opt-out annually statements provided by Chase bank , XXXX, XXXX XXXX XXXX , the above FINANCIAL INSTITUTIONS are subsequent reporting of this information to consumer reporting agencies. It has come to my attention that my personal and private financial information was disclosed to NON-AFFILIATED THIRD PARTIES ( XXXX XXXX XXXX ) without my consent which is a direct violation of the Gramm-Leach-Bliley Act ( GLBA ) and constitutes non-compliance with the protections afforded to Nonpublic Personal Information ( NPI ) The GLBA mandates that financial institutions must safeguard customers ' personal and financial information and are prohibited from disclosing such information to third parties, including consumer reporting agencies, without explicit consent. I have not provided any authorization for the disclosure of my account closure to any consumer reporting agency, and I believe this action is a breach of the privacy protections I am entitled to under the law. 
I demand the immediate correction of this unauthorized disclosure of my PERSONAL FINANCIAL PRIVATE INFORMATION Please take the necessary steps to ensure that this information is not reported or is removed from any consumer reporting agency records. Additionally, I request a written confirmation that this corrective action has been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lvnv opened a collections account on my credit reports in the MIDDLE OF A PANDEMIC!!!. The only reason I know this is because I have credit monitoring account. ( XXXX dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then Lvnv has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with Lvnv. I can't find any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!
Product: Credit reporting or other personal consumer reports

This account was on all three credit reports. I have no knowledge of this account. I was a victim of identity theft. This was reported to all credit credit bureaus. I have taken the proper steps to report identity theft. Yet, this still remains on my credit. I have asked for this to be removed. This has been ongoing for several months.