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

I first disputed this account in XXXX  when i recieved a response claiming that XXXX can not fulfill my request because they have insufficient information on their end. My information which was state ID, and proof of address. For years they have been denyinh me documentations and not verifying this account. I took it upon myself to right the FCRA & FDCPA noticed I have been being violated this whole time. XXXX can not honor my request based off the inaccurate information they have. Also if they can not validate this account and send me the proof funds, books of recording and along with befenical account holder, - written agreement with my wet signature - what method of payment was used and was I charged a down payment when this has my social security number associated with it which would make this a credit transaction. XXXX cash is never to be applied, accepted or bargained with. 
XXXX XXXX has no promisble purpose to furnish any account associated to me. Please provide with within the agreement or contract i was given proper disclosures. Please provide me my wet signature of me opting in credit reporting and the option to OPT-OUT full disclose as states in 12 CFR 1016.7 - FORM OF OPT OUT NOTICE TO CONSUMER : OPT OUT MENTHOD I have repeatedly request XXXX, and Experian to remove this account several times because these companies to are causing adverse reaction against me and my creditworthiness. 

My credit report has serveral errors and the company XXXX is out of compliance per sec. XXXX - Compliance Procedures **** EFFECTED IMMEDIATLY TO : XXXX THIS IS YOU FORMAL NOTICE TO CEASE & DESIST ALL COMMUNICATION INCLUDING ALL 3RD AFFILITIE SHARING AND CREDIT REPORTING. PLEASE REPSOND ON THROUGH U.S MAIL AND THESE COMPALINTS. 

Experian XXXX XXXX did not do a proper investigations after serveral attempts. XXXX deleted after proper investigation. 

These are the violations XXXX violated 1. 12 CFR 1016 .10 LIMITS ON DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES 2. 15 USC 1692g - VALIDATION OF DEBT 3. 15 USC 1682 - PERMISSIBLE PURPOSE OF CONSUMER REPORTS 4. 15 USC 1681i ( 5 ) REMOVAL OF INACCURATE UNVERFIED CREDIT INFORMATION 5. 15 USC 1681b INACCUARTE FALSE REPORTING 6. 15 USC 1681e ( b ) COMPLIANCE PROCEDURES MAXIMUM POSSIBLE ACCURACY I understand each violation is payable up to {$1000.00} per Fair Credit Reporting Act. I would like to excerise my rights because of the damage and harm for so long of trying to fix this issue ahs caused massive pain and suffering on top of my creditworthiness being tarnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, I had a TransUnion credit score of XXXX. On XX/XX/XXXX, my credit score dropped to XXXX, due to XXXX, XXXX, XXXX XXXX  XXXX fraudulently reporting an open collection account dated XX/XX/XXXX, with XXXX  XXXX. I filed a Chap. XXXX bankruptcy which was discharged XX/XX/XXXX. XXXX  XXXX, XXXX ( XXXX XXXX ) was part of the bankruptcy. I contacted TransUnion and XXXX, XXXX, XXXX XXXX XXXX. and telephonically disputed this erroneous account. I then mailed them a copy of my discharged bankruptcy documents showing that XXXX XXXX was a part of my bankruptcy. Between XXXX XXXX and XXXX XXXX, TransUnion removed the disputed collection account from my credit report, but they did not restore the full 97 points that they took away from me as a result of XXXX reporting this fraudulent open collection information to TransUnion.
Product: Debt collection

Previous complaint # XXXX in violation of Regulation F Debt Collection Practices CFPB XXXX Barred debt XXXX. Normally forward to FTC for the Various Violations and misrepresentations .CFPB XXXX practices under section XXXX XXXX - XXXX XXXX. Company did not address, bringing or threatening to foreclosure action on time barred debt to be codified at XXXX C.F.R, XXXX ( b ) .The provision prohibits XXXX from initating or threatening to bring a time barred collection action.
Product: Student loan

I have full or Part time status in XXXX school and received an email from Navient to check my account. When I checked my account, I noticed I was two months past due with a late charge. I called Navient and spoke with a representative and advised him that I was still in school. He explained the he did not receive any information from the school. I explained to him that can not be the case since XXXX XXXX received the information that I 'm in school. I advised him that I could not afford and should not have to afford the payment if I 'm still in school and was advised that he could not do anything for me. 
My question is and correct me if I 'm wrong, Does n't Federal Law state that if you 're in school full or part time, you student loans will remain in Forbearance? If so, how and why am I being assisted charges? I have read over XXXX reviews about Navient and there is nothing positive.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a medical debt that was part of a large amount that I thought I had paid. {$370.00}. I got served for a lawsuit over it, and received the service today, XX/XX/2020. 

The paper works says I owed the {$370.00} to the hospital, and was being charged an additional {$200.00} for legal fees. For a total of {$570.00}. 

I contacted the debt collection agency, SB & C of XXXX XXXX, Washington. I started by saying I wasn't contacted over this. She said " you were contacted at work, and said 'i 'm at work I'll call you back ' and hung up on us '' that probably did happen. If I didn't call back it's because they called from a blocked number. I then said I'd pay the debt. She told me I owed {$900.00}. I said the paperwork only says {$570.00}. she told me there were additional fees. 

We then went back and forth, and I said I'd just pay the {$900.00}, she said I needed to sign a paper forfeiting my legal rights. I said fine, here 's my email. She told me it could only be faxed. I said I don't have a fax machine. She said go to a public place like XXXX and we'll fax it there. I said I have a newborn I can't, I'll just go to the court date and offer to pay it. She said if I did that I'd have a judgement against me. I said but I'd be paying it, she said " I've been doing this 15 years and you'll have a judgement, you aren't special or the first one to try to get out of this stuff. '' Why can a company continue charging me interest and damaging my credit after I've offered to pay it, because they wont accept payment unless I jump through hoops. I even called their attorney 's office, who said they couldn't talk to me, but that she shouldn't have said that, and that no one has a fax anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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


XXXX XXXX XXXX # XXXX - IDENTITY THEFT XXXX # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2023 TransUnion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In my last communication with EXPERIAN, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an ID Theft Report and an affidavit of truth. My next step will be a civil suit.
Product: Credit reporting

Equifax is reporting information that is inaccurate. Proof was submitted.
Product: Debt collection

I called the company and they didnt want to hear that the debt was not mine. Stated repeatedly that it was owed because " it was under my name '' I have not used XXXX in YEARS and the information and debt letters were sent to my mother 's address. An address I have not lived at for over 10 years. I requested to get this removed and disputed this with them as well. I keep receiving letters with them sent to my mother 's home in regards to this and I 'm NOT happy!
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
Product: Vehicle loan or lease

My car lease was with Volkswagen. The lease loan was with Volkswagen credit. My car lease ended in XX/XX/XXXX and all payment due have been paid with my account in Volkswagen Credit fully closed on XX/XX/XXXX. After one year, they still send me bill saying I own them property tax for the full year of XX/XX/XXXX. I called them 3 months ago, explaining that this must be wrong. The agent realized they made a mistake and I might only owe the piece between XX/XX/XXXX to XX/XX/XXXX, which was the period I still had the car. They promised me to correct it and will contact me once it's clear. Now 3 months later they still keep sending me the same bill and now, with a notice from their collection department!!! I'm very worried they will abuse my credit report. If I did not pay attention to such bill I might have paid the excessive charge they recklessly put on me. I feel very angry as an individual consumer I need to worry about and deal with such excessive charge, and even after I made my effort trying to correct them, which they accepted and promised would correct, they still keep doing that! I need someone to investigate their statement system and correct the bug which might already have hurt many customers if they simply accept and pay it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of getting a mortgage through a different company which was at a higher interest rate when I received an email from XXXX XXXX aka XXXX stating that I could get a lower interest rate if I applied with their company. I clicked the link and completed the application and it said for me to email XXXX to explore my " options ''. I didn't receive a response. I get another email from XXXX   asking me to complete my application. I went through all the pages everything was completed so I asked my husband if he wanted to be co-borrower I figure maybe additional income was needed for my application. I received notification from my credit monitoring system that XXXX XXXX  XXXX accessed my credit report twice on XX/XX/XXXX and XX/XX/XXXX. I received another email from XXXX stating that I was denied approval because " loan representative 's credit score needs to be increased to XXXX ''. In the middle of this same email it stated " Your credit score : XXXX Date of credit pull : XX/XX/XXXX. '' I filed a complaint with XXXX XXXX XXXX and XXXX XXXX of XXXX responded to complaint saying that my credit score was below 620 which was not true. I asked her how did XXXX get my contact information and why they sent me that email to apply for a lower interest rate mortgage when I was already in the process with another company. She said they got my information from Credit Karma. Because XXXX pulled my credit THREE times on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX this inadvertently affected my original pre-approval with the other company. XXXX had no intention of approving me for anything even though my credit score was higher than 620. I checked FICO scores for XXXX  and they were higher than what XXXX was reporting. Credit Karma was reported the scores 100 points higher for XXXX  upward XXXX. Either way, I should have been able to qualify for pre-approval for a lower interest rate mortgage by myself without a co-borrower but the XXXX   system did a bait and switch and got me to include a co-borrower so they can get his information as well for marketing purposes. Even after XXXX denied me they continue to send emails asking me to complete the application. I feel this company is using phishing, bait and switch, and taking advantage of people during the COVID-19 pandemic by getting access to their credit information.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$7900.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  XXXX Balance : {$680.00} XXXXXXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX on XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I remitted a payment via telephone with an agent. I made a payment via check. I inquired about the days of delinquency, I was told by the agent that at the time of payment that the account was at 29 days. She further stated on a recorded line that my account was not in jeopardy of being reported to the bureau as I was making a payment in time. 

Two days later, I received an alert from XXXX XXXX stated that my account was more than 30 days late. I trusted the agent was knowledgeable her job and able to accurately provide the correct information to me as a cardholder.
Product: Vehicle loan or lease

I tried reaching out to wise credit llc back on XXXX & XX/XX/2023 about getting this vehicle removed off my credit but I have not heard back and I am unable to find a number for them to get to the correct dept as I filed a XXXX XXXX bankruptcy
Product: Prepaid card

On XX/XX/2023, I purchased XXXX gift cards ( XXXX for {$200.00} each, and XXXX for {$100.00}, totaling {$510.00} dollars, including each card activation fee ) at XXXX in XXXX XXXX, CA. On XX/XX/2023, I mailed via USPS with tracking to XXXX XXXX XXXX XXXX XXXX these XXXX cards to a business colleague 's USPS po box as a financial referral for business work. When the colleague attempted to use these cards in XX/XX/2023, all three were unopened, and unused. When he tried to spend them in XXXX California, all three balances showed {$0.00}. After looking up the card serial numbers and checking their balance, it was found that all three cards and all {$500.00} were spent in varieties of grocery stores in XXXX XXXX California and all transactions on XXXX. Work colleague and myself were never in these cities and the cardboard XXXX gift card packaging protecting the security codes were never opened until XX/XX/2023. Criminals had scammed these cards in advance. I am out {$510.00} and no one is willing to help. Appreciate all support and I can provide initial card purchase receipt from XXXX, tracking number from USPS, and paperwork showing the cards spent illegally in some random place no one was present at.
Product: Debt collection

I owed XXXX private student loans with XXXX XXXX XXXX totaling around $ 124k. With that and other debt i chose to go through a chapter XXXX bankruptcy in XXXX officially discharged XXXX. It was negotiated that they would reduce amount owed to $ 60k, no interest, and $ XXXX for 236 months. It was not reported to the credit bureaus. My father died XXXX XXXX, I forgot to add the payments to my new budget for the year. I never heard from XXXX what so ever, then in XXXX their attorney representation contacted me threatening lawsuit. I communicated with them and they agreed to reinstate the original agreement. " start over ''. i have been making payments. I tried to apply for a consolidation loan for bills today XXXX XXXX, XXXX. I was informed that Transworld System Inc a collection agency was reporting the loans as in collections. TSI also has not communicated with me in any ways. I need it removed from my credit report immediately. It is destroying my credit to the point I am unable to use the VA Home Loan option I served my country for. I also am unable to get any loans including auto loans. Please help me. I am XXXX years old and have XXXX daughters. I believe I deserve to have the " American Dream '' please help me figure this out. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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
Product: Credit card

On XX/XX/year>, my spouse and I went to a clinic in XXXX. 

We needed to pay for the service. However, the first transaction was declined. The merchant showed us their terminal, which displayed " transaction declined. '' We retried the SAME card. On the second transaction, the terminal prompted for a signature, and the payment was successful. Once my spouse 's XXXX was completed, we paid for my XXXX. That transaction was also successful. 

At the end of the day, there were XXXX transactions pending : XXXX declined and XXXX successful. Typically, a declined transaction should clear eventually. But in this case, I noticed ALL THREE transactions were posted, and we were overcharged. 

I filed a dispute as soon as the declined transaction posted. However, the bank resolved the dispute in the merchant 's favor twice. 

After multiple interactions, the bank 's investigation team still doesn't understand the issue and neglects to investigate it properly. 

I'm reaching out to see if I could get support from the CFPB. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX there is a hard inquiry by ( gm financial ) and I only remember calling a car dealership to ask about if I would be eligible and they didnt notify me of running my credit score to check I specifically asked them if it would affect my credit if they checked and they said no and now I see there is a hard inquiry from that time I called and received no help from them to get it removed if you can please help me. 

XX/XX/XXXX ( XXXX and XXXX XXXX XXXX ) again I had called them to inquire about a car and they asked for my social and didnt let me know they would run my credit report and affect my credit to see if I was approved and again no help after calling them and asking them to remove the inquiry I was told I should have known it would be ran as a hard inquiry but I was never told or I wouldve went in and looked for a car personally not over the phone XX/XX/XXXX ( XXXX XXXX ) was a accidental inquiry online when looking for a phone plan and I called customer service and they said they didnt have access to remove it off my credit so I would like it removed XX/XX/XXXX, ( XXXX XXXX card ) I had inquired about this card but their page said it wouldnt affect my credit score to see if I was pre qualified and now I see it as a hard inquiry I called them and they told me they couldnt help me and there was nothing they could do about it
Product: Credit reporting or other personal consumer reports

I moved into an apartment in 2015, and when my landlord ran my credit, I realized that my identity had been stolen, with over 13 accounts opened in my name, from credit cards to personal loans, store cards, and even a utility bill. The total amount of debt was over XXXX dollars. 

I immediately took action against every account. Getting these matters cleaned up took a lot of time, money, and energy. Still, to this day, several of them haunt me, and they will not leave my TransUnion or XXXX credit report.
Product: Student loan

I had my student loans serviced by navient. Being a XXXX i was elligible for the public service loan forgiveness. I was lead to beleive that for many years that my payments were going toward the 120 payments. My payments were not elligible because of the plan i was put in. Luckily i switched them back to XXXX and they informed me that the payments werent acceptable. I paid them for five years. Now i am XXXX and i had to start over on my 120 payments.
Product: Credit reporting or other personal consumer reports

My identity was compromised and these inquires were not authorized by me. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to repost information on my credit report without my permission. Please remove this item from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

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