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

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before i seek litigation for defamation of character ). XXXX XXXX XXXX balance {$14000.00}, XXXX XXXX XXXX balance {$280.00}, XXXX XXXX XXXX XXXX {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data. I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

Equifax and XXXX say I must mail in sensitive documents before I can get my credit report. Deed, Social security card, copy of drivers license etc. XXXX had errors in education and employer, and locked me out when trying to update for my " protection ''.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX {$150.00} XXXX XXXXXXXX XXXX {$0.00} These credit accounts are the results of identity theft and fraud.
Product: Credit card or prepaid card

I was informed by XXXX/XXXX XXXX that my account would be closed at the end of 2017 because they were discontinuing the card. As I was checking my account, I found out that they charged me an annual fee on XX/XX/17 for {$49.00}, 4 days before they closed my account. This is blatant theft and wrong. Others should know about this so they do n't get ripped off.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme disappointment in the lack of resolution regarding the negative items still being reported on my credit file. Despite my previous complaints and assertions that these accounts are unverified and inaccurate, your department has failed to take urgent action to rectify this matter.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers. 

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject tosection 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692g violations.

4.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Debt collection

RESURGENT / LVNV attempting to collect debts that are not lawfully theirs. Notification to XXXX  will follow. 
RESURGENT / LVNV refuses to VALIDATE these debts which I have requested on MULTIPLE occasions. Notification to FTC now filed ; COMPLAINT XXXX. 
RESURGENT / LVNV IS NOT LICENSED in the State of New Jersey to collect. Notification to NJ State Attorney General has been filed.

CEASE AND DESIST AND DELETE FROM MY CREDIT FILES ON XXXX AND XXXX IMMEDIATELY.
Product: Credit card or prepaid card

There was a fraudulent charge on my card with chase. I got a new bank card, and the charge was for a second annual pass for universal. I explained to them that I already had one, and they saw those charges. They gave me the money back. {$190.00}, but 3 weeks later took it back without providing any information. When I called them they said that they saw the charges for XXXX was mine and the other XXXX was not in my name but they could n't verify the XXXX.
Product: Checking or savings account

I am going thru a Family Hardship causing my house to fall into foreclosure. I decided to withdraw funds from my XXXX XXXX 401K Retirement plan to avoid to loose my roof. XXXX XXXX issued the tranfer via " ELECTRONIC FUNDS TRANSFER ( AFT ). XXXX   Issued tranfer on XX/XX/2019 by " electronic check number # XXXX for the amount of {$11000.00} ( Before taxes ) for the 2019. The Net amount to be deposited into my JP MORGAN DIRECT DEPOSIT ACCOUNT ENDING IN # XXXX WAS $ XXXXnet. ( after taxes ). On XX/XX/2019 started the transfer process. Approximately by XX/XX/2019 ( the 3rd business day the {$8200.00} funds were supposted to be in my direct deposit JP Morgan account ending in # XXXX. XXXX XXXX did an error by depositing the funds into a " INCORRECT CLOSED UNKNOWN ACCOUNT IN JP MORGAN ''. I opened a claim # XXXXwith JP MORGAN. I requested JP morgan to reverse the funds inmmediatly to XXXX, so they can issue a new check to send us asap. or to deposited the funds to my correct account ending # XXXX. JPMorgan said they cant reverse funds unless XXXX  send JPM a letter of Indemnity.  but XXXX dont do this letter. Its been 30 days that ChaseJPMorgan continue to keep our funds and not release them that causes us multiple overdraft charges, cancelling our car insurance, missed out deadline to pay our Mortgage to avoid foreclouse, didnt pay our car payment etc. On XX/XX/2019 I scalated this complaint to JP MORGAN ARIZONA COMPLAINT DEPARTMENT. because Chase JPM already closed the case without letting us know or without given us a solution or an answer. ( we didnt know ). I got a call from ARIZONA COMPLAINT DEPT week of XX/XX/2019 by XXXX XXXX with no solution but to wait. On XX/XX/2019 I decided to write an email to her boss Ms XXXX XXXX XXXX to scaled the my claim to have my voice heard. i send her via email, proof of bank statements with overdraft fees, proof of car isurance cancellation, crying out im loosing my roof etc. On XX/XX/XXXX, also XXXXXXXX XXXX  and i did a 3x way calling with XXXX XXXX and she said that this call was sccaled to her boss that due to this letter it was scaled to the executives Of chase Jp Morgan and i have to keep waiting. its been 30 days that JP MORGAN CHASE IS KEEPING MY FUNDS. all they have to do is to " reject the transaction " so XXXX XXXX can mail us a new check to us next day delivery. Chase dont want to realease the funds with no reason? Please help. im loosing my family roof ... .. 

Note : I contacted today againTODAY XX/XX/2019 with XXXX XXXX. They adviced me that on XX/XX/XXXX, XXXX  did a request to JPMORGAN to " Reverse the funds to be sent it to the appropiate account holder ( Me ) " attempt was " EFT REVERSAL WAS MADE '' IT WAS NOT SUCCESSFUL.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report after requesting reinvestigation and noticed several inaccuracies that are still present on my account. This account is hurting my ability to obtain credit. Its my understanding that you will in investigate these items to ensure maximum accuracy, here are the item I am asking you to verify as accurate. 

The Variance in reported balances, Date Opened, Account rating, Last Payment Date, Payment Status and Account Status across different credit bureaus highlights non-compliance with 15 USC 1681 1 ( a ) Transunion report : XXXX XXXX XXXX - Account Number XXXX, High Balance : {$130.00}, Date Opened XX/XX/XXXX, Balance Owed : {$0.00}, Closed Date : XX/XX/XXXX, Payment Status : ( Paid/Closed ), Past Due Amount : XXXX, Credit Limit : {$100.00}, Account rating : Closed, Last Payment : XX/XX/XXXX XXXX report : XXXX XXXX XXXX - Account Number XXXX, High Balance : {$130.00}, Date Opened XX/XX/XXXX, Balance Owed : {$0.00}, Closed Date : XX/XX/XXXX, Payment Status : ( Paid/Closed ), Past Due Amount : XXXX, Last Payment : XX/XX/XXXX, Credit Limit : {$100.00}, Account rating : Paid, Transunion report : XXXX XXXX XXXX XXXX Account Number XXXX, High Balance : {$130.00}, Date Opened XX/XX/XXXX, Balance Owed : {$0.00}, Closed Date : XX/XX/XXXX, Payment Status : ( Paid/Closed ), Past Due Amount : {$0.00}, Credit Limit : {$100.00}, Account rating : XXXX XXXX Last Payment : XX/XX/XXXX This account was Paid and Closed on XX/XX/XXXX since then the account has been repeatedly been updated in the payment history as Current when indeed that status is ( Paid/Closed ) The reported balance remains inaccurate post-sale of the account which is misleading and violates 15 USC 1681e ( b ) please investigate this matter and ensure maximum accuracy in my report if it can not be verified I Demand this account be deleted from my credit report. In addition I would like to have a New copy of my credit report mailed to my home address.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX {$3200.00} on XX/XX/XXXX This IS NOT my account, I was added onto this account and had no knowledge, also I've been requesting to be removed from this account since I first noticed being on it in XXXX
Product: Student loan

I called to adjust my auto payment so that it would pay more than the minimum amount due, but was told by the customer service representative that their system was unable to do this. My original monthly minimum payment it {$87.00}, but I have had auto pay setup to pay {$150.00} for the past year, so the answer given by the customer service representative appears misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my dispute is because of several unrecognized fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX. I have several fraudulent SS numbers showing on my credit report that do not belong to me. Please delete the following SS number : XXXX, XXXX, XXXX XXXX .I never lived at the follow addresses they are fraudulent : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX   XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This is the third time I have had this issue. I had filed a FTC report before to deal with the issue of fraudulent activities and someone using my name and ID in the past and I am trying to purchase a new home and this is a huge issue that is holding me up! I use to live in XXXX  10 years ago I have been in XXXX XXXX since I have attached a copy of my ID and SS Card and a bill with my current and ONLY address. 
Please have them remove/delete the collection accounts immediately. 
I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing negative items with Equifax on my credit report since XX/XX/XXXX. Since then I have been consistent in sending dispute letters and have kept great record of everything I've sent. Equifax has not responded to my claims or properly investigated my disputes which is my right as a consumer. I have attached all of the correspondence I have sent to Equifax and will also spell it out for you below. 
On XX/XX/XXXX, I sent my first round of disputes to Equifax. This letter was sent certified mail receipt number : XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, I sent a follow-up letter to Equifax to please reinvestigate my claims. 
On XX/XX/XXXX, I sent a method of verification letter to Equifax, inquiring how they are supposedly verifying the accounts on my credit report. 
On XX/XX/XXXX, I sent yet another letter to Equifax asking for them to re-investigate my disputes and again nothing happened. 
On XX/XX/XXXX, I sent one more letter to Equifax letting them know of my intention to file a complaint with the CFPB if nothing changed. Nothing changed, so here I am filing this complaint. I am outraged at how I have been treated by Equifax. They are blatantly ignoring my rights as a consumer and deserve to be held accountable.
Product: Mortgage

XX/XX/XXXX contact lakeview loans for an extension on forbearance due to my hardship from covid not being resolved. Original forbearance dat XX/XX/XXXX to XX/XX/XXXX which is 14 months out of the 18 I am being allotted for from the cares act. 
XX/XX/XXXX Received a call stating my forbearance is ending on XX/XX/XXXX I advised the previous loss mitigation specialist submitted a request for extension. Specialist stated no request received but does see I have 4 more months and she would submit a request. 
XX/XX/XXXX Received another call from loss mitigation stating my forbearance was ending advised I have submitted this request twice already specialist advise they would submit a ticket since they were not able to do this in there system due to an error. 
XX/XX/XXXX Called loss mitigation stated the ticket would be resolved by XX/XX/XXXX and that I should be all set XX/XX/XXXX Called Loss mitigation stated they are behind still working on it and check back in a few days XX/XX/XXXX Called loss mitigation representative stated still in process at this point I have had enough and request for a supervisor. XXXX  supervisor contacted me back XXXX hours later stating I would need to submit financial documentation on my FHA loan. I advised per the CARES act that she may not request for proof of financial hardship. She stated that the companies internal policies are to request for financial proof and that the CARES act does not work anymore. She said only options that I have are for loan modification or to take out a loan for the balance.
Product: Credit reporting or other personal consumer reports

In XXXX I noticed an auto loan showing up on my credit report from XXXX XXXX XXXX, I have never applied for an auto loan with XXXX and it was showing as a charge off account. I filed an FTC report immediately on identitytheft.gov and sent a copy to all the major credit bureaus and a copy to the original creditor. It was removed from my credit report until it showed up again in late XXXX. I once again filed a FTC report and sent it to the credit reporting agencies. I contacted XXXX directly by mail and phone calls, they have not provided me with any proof of this loan belonging to me nor any documentation that I applied for the loan or signed for the loan.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked inaccurate. The first one is XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

I have a delinquent loan with One Main Financial. I have in my call log that they have called me 16 times in the past 7 days. They call from different stores so as to use a new number I may not know. I have also been receiving numerous " private number '' calls that may or may not be associated. 16 times in one week, I believe, violates a fair debt collection law. Please help. 

Main office calling repeatedly is XXXX, KY. Phone number XXXX
Product: Student loan

Navient, 2 consolidated loans ( previous Sallie Mae ) -one grouping from Unsubsidized and one from Subsidized Federal loans including HEAL, Staffords and SLS. 

Two issues : First : After last payment made on my behalf by the XXXX XXXX XXXX XXXX inXX/XX/XXXX I received information stating I did not have any payments due until XX/XX/XXXX Not because I asked for a deferment or a forbearance. I did not understand interest was going to be accruing all the while, nor did they say I could CONTINUE to make the payments I had been making for years already. I was misled and not informed by Navient. 

Second : When I started to repay inXX/XX/XXXX up until currently, ALL of my payments have been applied to that interest that accrued from XX/XX/XXXX! So even now, all I pay is interest, for 2 consolidated loans through Navient ( former Servicer Sallie Mae ). 

I have paid my student loan payments EVERY MONTH. Never late. Never in default. Yet, I have paid over {$24000.00} since XX/XX/XXXX for 2 consolidated loans ALL OF WHICH HAS ONLY BEEN APPLIED TO INTEREST!!!! Now, this seems like a scam if ever I heard of one. I never asked to be on an interest only repayment plan, nor did I request a Forbearance or Deferment. There is nothing on Navient website that states I am in anything other than a standard level repayment plan, and prior to that payments I was making were going to both interest AND principle. 

I am contacting both the Department of Education as well as the Consumer Financial Protection Bureau because Navient willfully misled me, did not provide accurate information warning me about what they were doing, and refuse to assist me in any way. Furthermore, the intentional subterfuge being employed by Navient in making this information readily available ( ie a discount for " auto-pay '' so there is no need to LOOK at a monthly statement and statements that do not provide detail as to HOW payments are being applied ), a website that does not provide any type of information regarding amortization over the lifetime of the loan, and nothing in my " Loan Details '' that would tell me I was simply paying interest for the past 3 years strikes me as criminal. It is quite by accident that I even came upon this fact on my own while looking for ways to lower my interest rate. 

Please contact me immediately. Navient should be ashamed of taking advantage of busy professionals who have remained productive in the public sector while striving to stay current with their financial responsibilities.