23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account XXXX : XXXX XXXX Account Number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I want all accounts removed immediately!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXX/XX/XXXX, SERIAL # XXXX has violated my rights. 

1 5 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 

My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at I am Filing this CFPB to report separate fraudulent account appearing on my consumer fico credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal loan accounts and student loans opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dept. of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I demand that the aforementioned fraudulent items be removed from each of m consumer credit report and that all collection activity related to said items cease pursuant to my right within the FCRA and FDCPA laws.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

nationstar and XXXX XXXX are in collusion with violating the DODD FRANK ACT AND FCRA 15 USC SECTION 1681g.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I recieved a alert from XXXX. It read JP Morgan Chase account opening reported. On XX/XX/XXXX JP Morgan Chase reported a bank account opened with your SSN. 
Company JP Morgan Chase Inquiry date XX/XX/XXXX. 
phone XXXX The agent I spoke with on XX/XX/XXXX around XXXX told me he could not give me any information because I did not have a account with JP Morgan . I explained to him someone was fraudulently attempting to open up a account in my name per my XXXX  alerts. I then asked to speak with a manager, and he responded the same way. I asked could he transfer me to the department to help dispute it off my credit report, and he said yes but transferred me back to the automatic voice tool.
Product: Checking or savings account

I opened a XXXX XXXX checking account at M & T bank XXXX branch on XX/XX/XXXX. I'd received an advertisement from M & T a few days before that which said I could qualify for {$300.00} if I opened a XXXX XXXX account and fulfilled certain conditions. I've attached this advertisement. The condition to fulfill for earning this bonus was to set up recurring direct deposits from an employer and receive at least {$500.00} in direct deposits within 90 days of account opening. I set up direct deposits from my employer and received a direct deposit of {$1500.00} from my employer XXXX XXXX XXXX  on XX/XX/XXXX. I received further direct deposit of {$2400.00} from the same employer after the 90 days, but had clearly received more than the required {$500.00} in direct deposits inside the first 90 days from account opening. The advertisement stated that the {$300.00} was to be paid out within 90 days of receiving {$500.00} in direct deposits, which should have been XX/XX/XXXX. I was never paid this money. I should mention here that there was another condition in the advertisement to be fulfilled, and that was I could not have received a bonus on an M & T personal checking account in the last twelve months counted from when I opened the account. I did receive such a bonus in XXXX on a different account, but the last bonus I received an an M & T personal checking account was on XX/XX/XXXX. XXXX while I opened this account on XX/XX/XXXX so more than twelve months had passed since the last bonus. So it's clear I was eligible for the bonus and met all conditions but was still not paid the {$300.00} on time. I also made doubly sure that the banker I opened the account with actually applied the promo code to my account. Not only did I give her the code verbally and see her put the code on the application, I actually emailed her the advertisement while she was opening the account so I may have proof that I presented the promo code while opening.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that bankruptcy XXXX  XXXX is incomplete and inaccurate on my credit report remain a faurd which close as order by the judge XXXX XXXX stated that XX/XX/2019 bankruptcy have been closed due to non verify information on credit report, so she submitted the documents to Experian fail to respond. Also department of XXXX submitted that 7 accounts with XXXX balance and it's been discharged completely off my credit report. I am requesting a investigation under the FCRA to removal of theses items of my credit report.
Product: Credit card or prepaid card

About 2 hours ago today ( XX/XX/XXXX ) I attempted to use my card to make a purchase. The transaction was denied and I received a text/email to call Citi, which I did promptly. Upon this phone call I was advised my account was placed on hold for possible fraud, I explained who I was and that I attempted to make that purchased and called as soon as they told me to, I was advised there was nothing they could do as the account had to be verified by having a letter sent to my home. I explained to the agent Im out of the country and wont return any time soon, she said there was nothing she could do, I asked to have my call escalated and spoke to a supervisor who called the number in the account and reached me, I gave her all my info as well. She said the same that she couldnt help and I said even if I wanted to go back to states to verify my account I wouldnt be able to as Im in a foreign country with no access to money, she said she couldnt help and was going to hang up. I pay a yearly fee and have always paid my bills on time, its inadmissible and inhumane that they purposely left me in foreign soil without any access to money. Im unable to pay for food, shelter and transportation as I dont have another card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax collected personal and critical information on me and my family, and handled it carelessly. This information is now in the hands of criminals who can use it to inflict high monetary and psychological damages on us. Remedial actions are only partial, take time and money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two issues : 1. Flagship credit acceptance corporation is reporting in accurate information about my account number XXXX to both XXXX and XXXX. XXXX is correct. As you can see that on XXXX they updated on XX/XX/28, but on XXXX and XXXX they didn't report for XXXX. Since XX/XX/XXXX I have paid flagship a total of {$2300.00}. 

2. Flagship credit acceptance says I have a past due of {$20.00}. I made a payment twice to get that addressed 3 times ( XX/XX/XXXX and XX/XX/XXXX ), but as you can see by my current statement and online they still say I have a {$20.00} past due. I called on XX/XX/XXXX and they said that they would remove the past due and it is still on my account, yet I have now tried three times to get it corrected and have paid them 3 times now, a {$100.00} payment on XX/XX/XXXX {$100.00}. 

3. On XXXX and XXXX they show 2 late payments, but on XXXX they show 1. 

This account is affecting my credit score and my ability to obtain financing for a house and a new vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report should be blank because I have never used my information to obtain any credit whatsoever. I found a medical debt from XXXX XXXX on my credit for {$80.00} which I do not know anything about. I disputed it with the credit bureaus but the fraudulent debt is still on my credit.
Product: Student loan

I recently went to re-certify my income based repayment plan and I was denied my previous repayment plan due to my wife 's salary. They took my wife 's salary into account, but they did not take into account my wife having to repay loans. Therefore they do not recognize that she now has a job, but she also now has to repay her loans. They only took the information that would cause me to have to pay more without looking at the entire financial situation. We pay almost {$2000.00} a month in student loans between federal and private.
Product: Credit reporting or other personal consumer reports

I have included an identity theft report that included the following companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also included 3 hard inquires in the report. These accounts do not belong to me. Any payments made or contact with these companies were not made on my behalf.
Product: Debt collection

Common wealth financial have committed several federal violations against me, a Private law abiding Federally Protected Consumer.Te attachment show they created me a false account number, false open date, and false amount owed and I have never had a contract with this company and they are hurting my credit with this false information. I revoke all power of attorney to Common wealth financial. Common wealth financial does not have a certificate of Authority to do business in Alabama. Common wealth financial have not sent me a dunning letter but they have put a fraudulent account on my credit report.Common wealth financial do not have the authority to collect any money from me.Common wealth financial is guilty of racketeering, forgery, and obstruction of justice.Common wealth financial is in violation of the FDCPA and FCRA Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Common wealth financial, Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Common wealth financial. Violation 15 USC 1692e ( 2 ) ( A ) False representation of the character and amount of the alleged debt, Violation of 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.And a violation for collecting on behalf of another company 803 of fdcpa.Acccording to the FDCPA 1692H I am owed money for all violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to retrieve XXXX or EXPERIAN CREDIT REPORT report via XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report shows the balance as over the limit but my balance is XXXX I had an issue with a merchant charging me a bunch and this is negatively effecting my credit.
Product: Student loan

Nelnet - Loans transferred from Great Lakes -Nelnet website is failing to process payments ( as seen online, this issue is effecting multiple people using Nelnet ) and refusing to resolve the issue -When entering valid bank information ( triple-checked ) and attempting a payment, they will show the payment in processing but then say the bank failed the payment >>When checking with my bank, they said there was zero indication a payment was ever received or attempted >>Customer support wait times are around ~2 hours and millions of borrowers are incurring late penalities as a result >>When calling Nelnet, they refuse to escalate this issue and will put you on hold for hours on end and never pick back up >>When attempting to escalate, reps will intentionally divert you to hold till you hang up Nelnet is potentially intentionally making it impossible to make payments so that millions of borrowers incur further interest and late penalties that they can gather on. There customer service line is abysmal and makes it so few callers can get through and those that do are intentionally ignored or put on hold for hours on end till they give up and hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a letter back from Transunion stating that the account I disputed was verified and a derogatory mark still remains on my credit report per XXXX XXXX and Transunion. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection/charge-off. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Mortgage

Caliber Home Loans put a 30 day late and past due delinquency on my credit report and the mortgage payment was not late.They were paid over the phone and charged me an additional XXXX. After reporting such erroneous information on my report, my score dropped over 70 points and I was denied credit from other creditors. In addition, I was embarrased and my character was defamed. I wrote the company and asked them to update their records and remove the late because this is a violation of the Fair Credit Reporting Act ( FCRA ). I received a letter from them stating that they are investigating the matter. I was a victim of inacurate and unfair credit reporting. Please help me by investigating this matter.
Product: Debt collection

I am on the " do not call registry '' and I have been getting prerecorded messages from random numbers stating I am implicated in a law suit and to call that number. I tried calling one of the numbers back and, no answer. So yesterday XX/XX/XXXX at XXXX I have a message from a XXXX  with " Corporate Legal Support '' at XXXX, stating she was calling for the purposes of sending me legal documents, and I need to call her back right away. I call back and a guy answers telling me the message was in regards to collect a debt from XXXX XXXX and JC Penney, I told him I don't owe XXXX XXXX and he said they were the backers of the JC Penney card, I said well good luck I am on XXXX, I had a bunch of medical problems happen. Then he got nasty and called me names and said I own property and threatened to seize it. I hung up and he called back again and started going on about the property, I told him to stop harassing me and hung up.
Product: Payday loan, title loan, or personal loan

I opened a secured loan with onemain financial and its been nothing but a nightmare interest rates is unbearable and its ruining my credit I called and asked for a reduction they placed a charge off against my credit and its cause my score to suffer
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  is reporting me as an authorized user on 2 accounts which i have never been an authorized user on any creXXXX XXXX XXXX accounts. XXXX XXXX XXXX is also hurting my credit by reporting late payments on this account and would like for XXXX XXXXXXXX to remove these accounts from my credit reports. 

OVERVIEW Credit limit {$500.00} Minimum monthly payment {$30.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 80 % of payments on time Current red_status Not current Last payment XXXX XXXX, XXXX Payment status XXXX days late Amount past due {$120.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Authorized User Remarks Dispute resolved ; reported by grantor XXXX XX/XX/XXXX days late XXXX Closed XX/XX/XXXX Credit limit {$800.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 100 % of payments on time Current red_status Not current Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} Worst payment status Current ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Authorized User Remarks Contact subscriber Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says Experian, XXXX and XXXX is a furnisher of information to a consumer reporting agency. 
Experian, XXXX and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Experian, XXXX and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information XXXX. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
XXXX : a law or regulation forbidding something XXXX XXXX XXXX XXXX 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: Student loan

I have not received communication from the account servicer, Navient, about the change in interest from this loan. 
I have noticed that every month, they have been raising the payment due for the loan without providing a notice that such a change has ocurred. 
I want them to be transparent about how they handle the payments and why that required payment keeps going up in just a matter of months. 
I assume that the interest rate of this loan is not supposed to go up this quickly. 
The rate just months ago was 8 % and suddenly without proper notice, it has been increased to 9 %