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

There is a chapter   XXXX   Bankruptcy and   XXXX   public records on my credit report that does not belong to me. The courts do not report to the credit reporting agencies nor do they report to third party companies such as  XXXX , Equifax,  XXXX , Collection agencies, or   XXXX   XXXX  . I have sent a method of verification letter to Equifax and  XXXX  asking them to fill out the verification form that I sent to them and got no response. These are the accounts in question that are an identity fraud issue : Reference number for Bankruptcy is  XXXX ,  XXXX ,  XXXX , and  XXXX  are the other   XXXX   accounts that do not belong to me.
There is a slew of inquiries that I did not authorize nor did I sign any paperwork to run my credit for any of these inquiries. I called the companies and none of them can send me a signed credit application with my signature stating I authorized these inquiries.
  XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX   XXXX  Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX    Inquiry from  XX/XX/XXXX   XXXX  Inquiry from  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX is in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. 

Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Company did not provide original signed documents of me agreeing to paid debt nor did they provide proof of business license allowing them to practice in my state. 

XXXX XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within XXXX 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 investigations of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in cfpb administration proceeding disputes on my credit profile for similar violations.I request that the CFPB take action to ensure that Equifax complies with federal law and provides consumers with the necessary proof of investigation. I want all reported accounts to be removed.
Product: Debt collection

I have made numerous attempts to have the company give me service provided, dates of service, patient, etc. No information has been given to me and now I am facing a judgment XXXX XXXX, 2016 for this.
Product: Credit reporting or other personal consumer reports

Account does not belong to me. 

Account Name : XXXX XXXX XXXX Account Balance : {$850.00} Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the XXXX of XXXX transunion had a computer glitch where many of majority of my inquires were deleted and some where down the line readded by transunion with out notifying me 5 days prior in writing telling me they will be back added. I contacted transunion in good faith to ask them to delete the inquires that they illegally readded. I talk to a non-US rep. By the name of XXXX XXXX I asked to be transferred to a U.S rep. He said he could n't do so " the U.S department does n't handle the deleting of inquires '' ( XX/XX/XXXX @ XXXX Eastern ) these inquires add a hardship to my later in the year goals of buying a house and my rights were violated by transunion. Can the CFPB please help transunion to stop victimizing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item 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. 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 XXXXXX/XX/XXXX ; XXXX XXXX XXXX : {$250.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple written appeals to Experian regarding the fraudulent information being reported on my file. The last letter I sent to them was XX/XX/2022, with complete attachments of my personal information. This Complaint is being submitted through the CFPB to inform the Credit Bureaus that I am a victim of identity theft and the items I am disputing do not relate to any transaction that I have made or authorized nor did I receive any benefits as a result of the theft of my Identity. This Complaint is to follow up on my Previous Complaint last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were 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. The account listed below is the result of such crime and must be deleted immediately : DPT ED/XXXXDEPARTMENT OF EDUCATIONXXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed a delinquent account. Not sure if it is a loan or credit card that has been opened and reported XXXX XXXX. However I do not recognize this account and most definitely did not open anything through my XXXX XXXX XXXX  account ever. It is apparently a result of identity theft which I took the liberty of looking into attempting to contact my bank and my account had been closed as if it never existed as well as my job deposits at that time used towards this opened third party account I had not opened. Please delete immediately.
Product: Credit card

I would like to report NETSPEND under the name XXXX XXXX XXXX I received a card in the mail. There was no number to call to report that I had not signed up nor requested a card with this company. There was no number to call only a QR to activate the card. I had to research the company online to find a number. I could not get a human. They first said the card was already activated, then they said it was not activated but I had to give the last 4 numbers of my social and agree to their terms in order to proceed ( which required activation ). I hung up and cut up the card. It was a frustrating process which I if I was not paying attention, I would have activated this card. 
This is unsolicited and I would like to report them as misleading. 
Thank you, XXXX
Product: Credit reporting or other personal consumer reports

A purchase was made while I was incarcerated in the total amount of {$1600.00}. 
Im not responsible for the purchase, but can give you an idea who might. The Discover credit card was closed on XX/XX/XXXX, and when I tried to get the financial debt dealt with, theyre saying I could possibly still owe that amount. I just want to dispute the payment with the company by providing them with correct and accurate information, yes I did open a credit card in XXXX the year of XXXX XXXX not denying that. I reassured issue that its wasnt me that could possibly had make a purchase in that amount, I was incarcerated. I have fraud on my credit report that includes addresses and phone numbers that were unverified by me. Also I have my XXXX XXXX XXXX XXXXXXXX transcript from my conviction date and release date.
Product: Credit reporting or other personal consumer reports

I have never stayed at the addresses below and would like them removed/ deleted from my consumer report. 
XXXX XXXX XXXX, XXXX, SC XXXX Date Reported : XX/XX/05 XXXX XXXX XXXX XXXX, XXXX, SC Date Reported : XX/XX/05
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act, this creditor Capital one and XXXXXXXX XXXX has violated my rights under 15 USC 1681 section 602, states i have the right to privacy 15 USC 1681 section 604 section 2, it also states a consumer reporting agency can not furnish an account without my written instructions under USC 1666b. A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late payment for any purpose. Please remove this late payment immediately as you are violating the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX Mailed in my factual dispute for " co '' still reporting on a dead account, the accounts are still up and reporting, this is changing the statue of limitations which is stopping me from getting a home. This was XX/XX/2021.
Product: Student loan

Navient Private loans I called Navient today to notify them of my XXXX XXXX enrollment in college and the agent told me that I was required to be enrolled more than half time and would not clarify the number of units needed for more than half time for deferment. This agent did not verify my status for eligibility for in school deferment and demanded payment of student loan. 
I called Navient again and spoke with a different agent and it was verified that I do qualify for in school deferment if enrollment is half time. As a consumer I have the right to be treated fairly and should be given accurate information about my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XXXX ), I just reviewed my Consumer report from Experian and I have noticed that two accounts that I have disputed in the past several times are still reporting Incomplete and missing vital information. Consumer Reporting Agencies have assumed a crucial role in handling and reporting Consumer Information to the best of their abilities so that all information that is being reported is Complete and Accurate.

I have enclosed a copy of my recent Experian Consumer report # XXXX, and circled all of the Incomplete/missing information. As you can see, The vital information that should be on my consumer report is indeed incomplete. 

XXXX XXXX XXXXXXXX XXXX Payment History from XXXX XXXX XX/XX/2018 Solution- Delete Account for reporting Incomplete information on a Consumer Report. 

XXXX XXXX XXXX XXXX XXXXXXXX Problem-Missing payment History for XXXX XXXX XXXX  Solution-Delete Account for reporting Incomplete Information on a Consumer Report Please investigate and Delete these accounts. If i am remiss then please provide me proof with billing statements showing the Complete payment history. If proof can not be provided, then I demand these Accounts be removed immediately from my Consumer Report.

Thank You.
Product: Student loan

I needed to re-certify with XX/XX/XXXX XX/XX/XXXX once a year. I did the work this year and the number that was given to me for a new payment was over 150 dollars more than what I was paying. I called and asked why this happened and they said that I only claimed 2 in my household instead of 4 people. So, while waiting for the paperwork to be fixed my bill was due. I paid what would usually have been due. I contacted someone else once the paperwork went through and told them that they kept saying that I had not paid my bill but I had. The amount I hadn't paid was what I was charged because of the goof up in my paperwork. The person I talked to said that it would be taken care of. 2 months later I am still getting messages about how I need to pay this off. I have contacted the company several times but they have not gotten back to me. It was through email because rarely do I call places because my kids always decide they want to start fighting or asking me questions when I am on the phone. If they have an email section they should be returning emails. I feel the lack of responding to the situation is very unprofessional.
Product: Vehicle loan or lease

After 2 years of asking navy federal to perfect the XXXX on my vehicle they did not. They made it seem like it was my job to do so when initially I was told that they will get it perfected. I mailed and emailed all requested documents. They lost my title and I had to get another and get the XXXX perfected myself after two years. They also reallocated all of my payments to reflect an interest rate of 10 % higher than I agreed upon. This made my payments go up and added two years of late fees.
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 XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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: Credit reporting, credit repair services, or other personal consumer reports

I started in XX/XX/2022 reaching out to the reporting agencies to get the information on my credit reports changed accurately. I contacted XXXX, XXXX XXXX, XXXX XXXX  dba XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I put 11 accounts into a debt consolidation they were all settled. The companies all but 3 that XXXX owned originally reported Paid settled- less than full balance. XXXX is reporting derogatory and charged offed as bad debt or in collections which is not the case. It appears on my credit report as if I can still be sued and like I havent settled or paid anything. I have the release papers stating the settlement. None of the companies are taking responsibility. XXXX says they gave it to XXXX XXXX, XXXX is saying they didnt take the payment XXXX XXXX dba XXXX XXXX  is saying theyre not reporting. Its a joke to them. If I want to make a big purchase its not a good look on my credit report I look like I didnt pay anything. I tried to be as responsible as possible considering my situation at the time. XXXX, XXXX XXXX, XXXX XXXX dba XXXX XXXX XXXX XXXX do the the right thing.
Product: Credit reporting

Please disregard the Apartment Bill in this attachment which is page XXXX. My concern is these inquiries in which I had no part in giving authorization to pull my credit report. Please can you look into why Equifax could n't remove inquiries that I had no clue was going on with my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's on this date XX/XX/2023 that I XXXX XXXX who is a natural living being exercise my right to rescission. 
Upon reviewing my contact, obligations, and rights as a natural person operating in Commerce, I observed that there are multiple violation present which invalidates my Contract pursuant 12 CFR 1026.3 name Tuth in Lending. 


Per the congressional finding of Truth In Lending Act. The purpose of this subchapter to assure a meandul disclosure of credit terms available to him and avoid the uninformed use of credit. 



It is appropriate for me to assume that the salesman that assisted me with the purchase of my XXXX /XXXX  ( XXXX ) at XXXX XXXX XXXX XXXX XXXX intentionally withheld pertinent information to complete the sale. Thus, being the case pursuant 12 CFR 1026.23 I have the right to rescind my obligations and renege my initial consent to pursue the previous terms. There are many fees within this finance charge that are in violation of 15 USC. 1605. It is clear you are not trustworthy and have predatorily conducted business in commerce.
Product: Vehicle loan or lease

Toyota Financial has reported my loan in default where as the loan amount has been paid in full.
Product: Debt collection

XXXX debt showed up on my credit report called the company asking what it was they told me they bought the debt from my old college which I wasnt even due to pay yet. After that they called me again telling me to pay the full amount or my credit would be effected. They called numerous times until I changed my number once in XXXX and then I started receiving the automated phone calls at the end of XXXX XXXX Ive called them and asked them to stop I blocked their number and now they are calling from numerous phone numbers constantly trying to say they are receivable debt solutions and all
Product: Student loan

I called to request a refund for payments made during the forbearance period made during the pandemic on XX/XX/XXXX. In the past when I have made payments, money was immediately pulled from my account but to receive a refund I was told it would take 160 days since the day I requested it. The original amount I owe has been reinstated but I have not received my refund yet.
Product: Debt collection

they call before XXXX XXXX and XXXX XXXX, They call at XXXX XXXX through XXXX XXXX XXXX   They never leave a message. also when I try to talk to them they hang up. XX/XX/2019 through today XX/XX/2019,
Product: Vehicle loan or lease

Straight to the facts, I believe we the victims of fraudulent lending practices by the finance company and dealership. We received our notice to repossess the day after it was repossessed. Our loan had an an extended warranty added to it, that we were told was already on the car. The vehicle was not serviced as the dealer told us it was, they changed the mileage of the vehicle at the last moment right before we signed. It was a work vehicle. It broke down 5 weeks after purchase, and repairs werent covered on that extended warranty plan. We had to take back to the service department a total of 6 times in 8weeks we lost a total of 19 work days, we own XXXX XXXX XXXX, no vehicle, no work. We were in constant communication with Santander, we were late with payments because of the vehicles condition being sold under false conditions. The vehicle ran out of oil, a day after we had to pay {$1500.00} to get it repaired, they added {$3000.00} to the cost of the vehicle for extended warranty and never gave us any paperwork or details of what that was until we made a complaint. The service department lost our skid plate in one of the service appointments. They couldnt provide a loaner vehicle at all, but they did when we purchased it so they could finish the full service which when we broke down all the vehicles fluids were extremely low, only 5 weeks after service and purchase. 20,000 mileage difference from what was advertised to what we got. I wouldnt have even looked at a vehicle in that range. We lost our business because of this issue, we sank further in debt and now are facing bankruptcy. And now both of our credit reports are destroyed so no chance of recovery. The dealer and finance company both have said, sorry thats just business. We only needed a few more days to make another payment. Now are business bank account was closed for high risk, we are about to lose our rental home, our credit card that we put the down payment on is over the max and behind and it falls back to these two companies destroying our lives
Product: Debt collection

Almost daily automated calls leaving messages they call " courtesy '' call about a debt that I do not owe as it is not and never was mine. I have no overdue bills, no cosigner obligations, nothing of the sort. The automated calls state " This message is being left for '' [ what sounds like ] XXXX The message states that this is a final call before action is taken, mentions attorneys and a case number. The number on caller ID is XXXX and shows XXXX XXXX, TX as the originator. I called the number and asked who they are and why they are calling me and the person hung up on me when I pressed them. This has been going on for months, though not quite as frequently as it has of late.
Product: Credit card

Filed a dispute on a charge. I then cancelled the dispute as it appeared the issue was resolved with the merchant. Employee said if I cancel the dispute, I can not reopen it again. I told him my issues and that I only want to proceed IF I can open the dispute up again IF my issue does not get resolved with the merchant. The employee agreed and said that he would include that info in the notes. I later tried to reopen the dispute and was told that I cant. I explained the agreement that the employee made with me and reminded them that there would be a recording. They advised they would look into it. I called back and again inquired and was told the same thing. I spoke to a supervisor who said said that a recording does exist and that she would request that it be looked at again. I then received a letter saying that it is absolutely impossible to reopen a dispute after cancelling it. That is simply their policy. Their employee made a deal with me and the XXXX company is not honoring it because they have waited so long, that the merchant now no longer exists.
Product: Credit reporting or other personal consumer reports

In XXXX, Equifax experienced a significant data breach that exposed my personal information including my social security number, address and phone number. I received a letter informing me of the data breach.