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

There was an inquiry on my Experian credit report from XX/XX/2020, that was a result of identity theft. I discovered this during a review of my credit report. I called Experian and they told me to contact the reporting company. I immediately put a freeze on my credit reports. I called XXXX who made the inquiry and was told that the inquiry was from XXXX XXXX. I spoke to the dealership manager who told me about the applicant who applied for the credit. I verified my information and proved it was not me who applied for the credit. I spoke to XXXX and was told to file a police report and a report with Identitytheft.gov. I did both of these and emailed them the reports asking them to remove the inquiry from my credit report. 

When I spoke to XXXX at XXXX today, she told me that they now require me to send them a copy of my social security number, my driver 's license, and a copy of a utility bill. I told her that they never requested that information before and asked her if I sent them the additional documents if they would immediately remove the inquiry from my report and she was not able to guarantee me that they would. I told her that the information they are requesting is very sensitive and I do not feel comfortable releasing this information to a company that has not been authorized to receive this information and they could use it to further steal my identity now that they have a copy of my social security card, driver 's license, and utility bill. How can I be sure that they are not part of the identity theft scam? 

In essence, I told her that they are re-victimizing me by refusing to remove a fraudulent inquiry in spite of proof from a police report which they requested.
Product: Student loan

On XX/XX/XXXX, I took a screenshot of my total loan balance of {$43000.00} shown on my Fedloan Servicing phone app. The interest balance is {$0.00}. 

On XX/XX/XXXX, I logged into my account at Fedloan Servicing 's website ( https : //myfedloan.org/ ) and printed out a Loan Verification letter where shows a list of loans and their balances totaled {$43000.00}, which matched the total balance found on XX/XX/XXXX ( mentioned above ). 

On XX/XX/XXXX, I logged into my Fedloan app and found a total balance of {$43000.00} which does not match the balance above. 

I did not make any payment since XX/XX/XXXX ; all loans were on forbearance due to Covid-19 and the interest rate has been 0 since XX/XX/XXXX. 

On XX/XX/XXXX, I called customer service. XXXX ( employee # XXXX ) answered the phone and stated that she saw the current balance of {$43000.00} and did not know why I saw a different balance before. I showed her the printout letter on XX/XX/XXXX and the screenshot on XX/XX/XXXX. She was still not sure what happened. She stated that the loan balance should remain the same due to Covid-19 Forbearance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Listed below are the Personal Information that are being challenged Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX. 
Account Number : XXXX Account Name : XXXX  XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX - XXXX XXXX XX/XX/2022 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting

I 've tried numerous times to obtain my trans Union credit report and keep getting returned to the same page to re-click the continue button. I Received my report, but when I attempt to dispute information, I am given the run around and not allowed to access the dispute site. also, the Items I 've been disputing have been disputed before because they were part of my husbands bankruptcy and discharged under case XXXX XXXX.7 by United States Bankruptcy Court Judge XXXX XXXX XXXX XXXX And the creditors have failed to aknowledge the discharge order, dispite sending them numerous letters and disputing on the trans union site. I live in a co-debtor state and all of the debts in question were incurred while married. Yet, all attempts to rectify the situation have failed. My husbands lawyer only says keep mailing or file bankruptcy yourself. That some creditors will not recognize the bankruptcy as far as co-debt and the only way to get them to stop is to file bankruptcy myself. I should n't have to and do n't want to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to rectify this in correct address on my credit report for XXXX, equifax, and XXXX. I attached a copy of my social security card and utility bill showing my address that I have had for several years. This is my final attempt! I have attached the information. XXXX XXXX XXXX XXXX is not my address and never was. My last name is XXXX I called these credit card companies and they have a different person for these credit cards it is not XXXX XXXX. I live in XXXX XXXX! Remove this address immediately from my credit reports! DO NOT SEND ME SOME PRE-MADE LETTER STATING IT IS VERIFIED! E-OSCAR IS A AUTOMATED SYSTEM AND CRAs USE CODES TO VERIFY NOT A LIVE PERSON. THIS IS THE ADDRESS THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX, XXXX, OHIO XXXX THESE ARE THE ACCOUNTS THAT NEED TO BE REMOVED : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX 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

I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 45 days and 15 U.S.C. 1692g.
Product: Debt collection

This company reported this debt to the credit bureaus without contacting me and giving me the chance to dispute this debt. The amount of the debt is {$610.00}.
Product: Credit card or prepaid card

I initiated a balance transfer of {$4600.00} from my XXXX credit card account to my new HSBC credit card on XX/XX/2018. I received a confirmation email from HSBC that stated that the balance transfer should be complete within 7-10 business days. The balance transfer amount posted to my HSBC account on XX/XX/XXXX at XXXX. I noticed that it had not posted to my XXXX account on XX/XX/XXXX and decided to call HSBC customer service to inquire about the status of the transfer. I was brushed off by their customer service team and was told to call back in a week if the transfer was still not posted to my XXXX account. 

I called the customer service department again on XX/XX/2018 at XXXX and requested a status update on the balance transfer. Once again, the CSR told me that I need to be patient and wait another week and call back again if the amount still had not posted to my XXXX account. 

I made another call on XX/XX/XXXX at XXXX. This time, the first CSR accidentally (? ) hung up the phone after I was told he was going to do a payment trace. After calling back again, the second CSR told me that they are not able to do a payment trace. It then appeared to me that he was stalling. For example, he rep. told began to inform me on what a balance transfer is instead of directly handling the issue I presented. I promptly requested to be connected with a supervisor so that we can begin an investigation on their end. The supervisor that I ended up talking to was not very helpful. She told me that she was going to start an investigation and that we should have information within 5 business days I believe. She also told me to call back today, XX/XX/XXXX if the payment did not post by that time. I requested email updates on the status of the investigation : They did not do this at all. 

My final call was today, XX/XX/XXXX. The transfer has still not posted to my XXXX credit card account. I talked to another CSR who told me that the investigation process can take up to 14 business days. I told him that I need a path to resolution which he was unable to provide. Once again, I feel like they are brushing me off and simply adding more time delays into this process. We ended the call when the CSR told me that the supervisor that I talked to on the XX/XX/XXXX will be calling me back this afternoon regarding the status of the investigation. 

Through this whole process, XXXX has been very helpful. It has been very easy getting an informed individual on the line to help me investigate this issue. It only took me a few minutes to get an account specialist on the line investigating my issue. The XXXX employee believed that a payment trace should be a routine an easy thing for HSBC to do. Unfortunately, getting things done with HSBC has proved impossible at this point. I regret opening an account with them. 

As of right now, I have essentially doubled my debt because of this. Because so much time has elapsed, I am approaching my first payment on the HSBC card on XX/XX/XXXX. I am also going to have to pay on this balance transfer amount on my XXXX card on XX/XX/XXXX.
Product: Vehicle loan or lease

My car was repossessed by Nissan Motor Acceptance Corporation on XX/XX/2019 at XXXX XXXX, I called the NMAC right away and the clerk read all the process need to be done and stated If I was able to pay the full amount with a " small fee '' I could be reinstated. I paid for the whole amount on XX/XX/2019 at XXXX XXXX and notified them. Before notifiying them to get their phone number I went to my account and I saw a XXXX Dollars late fee and XXXX Dollars Miscellenous fee. I immediately called them and dispute that muc of towing fee and also indicated to them I was told there will be a small fee. The clerk today said he read the notes and I disputed that yesterday. I told him I dont know what the notes say please listen to the voice recording becuase I was never given a break down of the charges. I also read my contract and there is no amount indictaion of recovery fee. 

I was supposed to pay 3 months of lease payment XXXX $ late fees and 1 month of lease payment which is due on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

US DEPT ED Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Student loan

I've contacted Navient in the past about the amount of the student loan they claim I owe. I've never received the amount they claim I owe in education benefits, they can not produce a contract with my signature stating I agreed to that sad amount, recently I was informed Navient is transferring the student loan to XXXX, I never consented to this contract and I reserve all my rights concerning this matter, there was a lack of consideration based on the pretense that I owe this student loan. I never received the amount Navient claims I owe. I believe that is called fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is two XXXX XXXX account that are NOT mine, one was open X/2016. This needs to be removed it is fraud and again NOT MINE
Product: Debt collection

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXXXXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXXXXXX XXXX
Product: Mortgage

New Rez Mortgage made an escrow payment they claim is to an insurance company that has no record of the bill or the payment. New Rez now will not provide me the details of this bill. XXXX XXXX was the last supervisor I spoke with and he said its not their departments responsibility but could not transfer to that department or have them provide this information.
Product: Credit card

In XXXX I disputed a charge of {$710.00} from services rendered by XXXXXXXX XXXX XXXXXXXX for unauthorized charges to my car. I received a denial decision letter on XX/XX/XXXX and placed a call to BOA on XXXXfor information regarding the denial. I was told that the vendor did not respond to the request for information. There were multiple conversations regarding the decision. I asked the representative why was my limit decreased she informed me that I would have to contact credit analysis at XXXX in which that was XXXX. I spoke with their representative and was advised to request a credit report. On XX/XX/XXXX I asked to speak with a supervisor and was transferred to XXXX who identified himself as a supervisor, later to find out he was not a supervisor ; however, this representative transferred me to credit analysis department who gave me the reasons for my credit reduction. His reason was stated in letter dated XX/XX/XXXX. After receiving the letter I placed a call to BOA when in the call I asked why my credit report was pulled because I had not requested a line of credit increase or was I two consecutive months past due. She stated that they can every month run a credit report, I said that is not true. I reached back out to XXXX and expressed my concerns regarding BOA pulling a credit report the customer service confirmed the information was correct when a credit report could be run and advised me to contact this office. After the call to BOA on XXXX received XXXX letters dated XX/XX/XXXX ( see letters enclosed. ) I have attached the XXXX credit report that BOA used to justify reducing my line of credit by {$10000.00}. I feel that after my request to dispute the {$710.00} from XXXX XXXX XXXX BOA retaliated against me by reducing my line of credit. I believe that it is possible BOA may have run my credit against the fair credit and reporting law.
Product: Student loan

I HAVE ONE REMAINING STUDENT LOAN. THAT LOAN QUALIFIES AND IS ELIGIBLE FOR FORGIVENESS UNDER PUBLIC STUDENT LOAN FORGIVENESS. FEDERAL STUDENT AID HAS SENT ME A LETTER DATED XXXX INDICATING THAT THE LOAN IS ELIGIBLE AND QUALIFYING FOR FOGIVENESS. THAT LETTER GOES ON TO STATE THAT MY SERVICER, MOHELA, WILL DISCHARGE MY LOAN IN 30 DAYS. THEY HAVE NOT DISCHARGED THE LOAN AND IT'S NOW XXXX. I HAVE SUBMITTED NUMEROUS COMPLAINTS TO BOTH AGENCIES WITH NO RECOURSE. MOHELA CLAIMS THEY NEVER RECEIVED THE LETTER, AND WILL NOT TAKE ANY ACTION UNLESS THE LETTER COMES DIRECTLY FROM FEDERAL STUDENT AID. FEDERAL STUDENT AID SAYS THE NATIONAL LOAN DATABASE HAS NOT SENT MOHELA THE INFORMATION BECAUSE IT CAN TAKE 90 DAYS DESPITE THE LETTER SPECIFICALLY STATING 30 BUSINESS DAYS. ALL THESE COMPANIES DO IS POINT THE FINGER OF RESPONSIBILILTY WITHOUT RESOLVING THE PROBLEM. I WANT MY LOAN FORGIVEN IMMEDIATELY. I WANT THESE COMPANIES TO FACE PENATLY FOR PROVIDING MISINFORMATION TO BORROWERS. I WANT MY LOAN FORGIVEN IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX ; XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a/ XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact , so be it. 

Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached so be it. and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commences, so be it. and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B and Exhibit C that Experian is in violation of 15 U.S. Code 1681b ( a ) ( 2 ). Experian did not remove the following accounts in accordance with the written instructions of the consumer : XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account name XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt is a result of Identity theft and this needs to be removed immediately. The debt for XXXX  XXXX  has been previously disputed, removed and then was sold to a collection company and put on my credit report again after being previously removed. I checked my report and they are being reported as deragatory. This is keeping me from buying a home and my job of choice.
Product: Checking or savings account

I bank with regions and I was looking to rent a unit and set up a payment for XXXX dollars to secure the lease but after I made the payment and it was put on hold I found the woman did not have the keys I was being scammed probably so I immediately called regions to cancel the on hold payment which had not been taken from my account yet. The first woman I spoke to said she would have to verify the payment for me to cancel when later I found in an email after 24 hours the payment would be canceled on hold but she verified it and made the payment for XXXX dollars to this scam artist. Now regions does not want to take responsibility for their employee not knowing the facts of her job ( 24 hour delete of on hold payment ) and the fact a regions employee took XXXX dollars from my account I was calling to cancel in the first place. I am sick with XXXX filing for XXXX and XXXX living out of a hotel on the last dollars I have left please help me