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

These accounts were opened under my social security number without my authorization. XXXX requesting these be removed asap. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX
Product: Debt collection

After carefully going through my credit report, I noticed a number of accounts that seem to be wrongfully listed and added without my authorization.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 in XXXX A chargeback came thru my account for {$1000.00}. 
My funds in my bank got crossed on deposit. 
However before the chargeback occurred I sold enough assets in my account to more than cover the amount. 
After numerous times of trying to withdraw and deposit. 
I contacted them thru the automatic email with no response at least 5 vfc to 10 times with one automated response weeks later.Finally I looked for other avenues. 
I went online to numerous social media sites to try and contact someone to release my assets. 
With still no response then I finally saw someone suggested trying to deposit to cover the chargeback so I tried and it took another {$1000.00} from my bank. 
I thought maybe since they didn't use my liquid funds that were already in. 
A new deposit would fix the problem. 
It didn't.so here I sit waiting to be able to access my money.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have asked that they provide the purchase agreement to show full ownership of such amount and other documents so I can review to see if this account belongs to me but they fail to do so. Also, this company violates my right reference to 15 U.S code 1692e ( 12 ) ,15 U.SC6801.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had coverage with XXXX while under a physicians care. I have a letter from their office acknowledging I would have a XXXX balance at the end of my care due to having XXXX. The office waited past the dates XXXX  would cover, to immediately send an amount of money to collections, also without billing me prior. They continue to refuse the paperwork I have sent, along with XXXX letters. This is an unjust action on my credit report that has no standing. They did fix the duplicate reporting, they initially hit my score with two different {$500.00} charges which I don't even have an XXXX  with services for whatsoever. 

CMRE FINANCIAL SERVICES - Opened - XX/XX/XXXX - {$510.00} - XXXX  XXXX XXXX XXXX letter - coverage began XX/XX/XXXX and ended XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 USC 1681 of consumer laws, a company must adhere to certain guidelines when charging off an account and reporting it to the IRS, as well as reporting late payments. If an account has been closed and charged off, and a request for a 1099c was made, the company must comply with the request.

Additionally, if the company has put the account back on the consumer 's credit report without authorization, this may constitute a violation of the Fair Credit Reporting Act. Only authorized credit reporting agencies may make such changes to a consumer 's credit report. 

In this case, it appears that XXXX and Transunion has acted outside of its authority by putting the account back on the consumer 's credit report. The consumer may have grounds for disputing this information with XXXX and seeking its removal from their credit report under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud accounts on my credit report since XX/XX/2022. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is signed and attached with an FTC and Identity Theft affidavit, yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 52 days later, I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning I am submitting an Complaint that I have with Equifax regarding XXXX XXXX this company is reporting a plethora of 30 day lates and two 60 day lates on my credit file, I disputed with 609 letters, citing unverified lates reporting however it always came back as verified with Equifax. I suspect XXXX auto verification is being used because when Equifax was responding it always came back with the same generic auto response of verified or meets FCRA. This is a violation of my rights because they were not doing their due dilligence investigating. They also stopped responding, that allows me to take legal action. Furthermore I asked for the method of verrification because there was no lates on my behalf. Please have them update all the lates on my credit report to positive. They are as followed, XX/XX/XXXX ( 60 day late ) XX/XX/XXXX thru XX/XX/XXXX ( 30 day lates ) XXXX XX/XX/XXXX to XX/XX/XXXX ( 30 day lates ) and a 60 day late for XX/XX/XXXX XX/XX/XXXX
Product: Student loan

For the past 2 months, I have received unsolicited calls from several XXXX, MA numbers regarding XXXXXXXX  benefits and student loan debt. No matter the number or reason for their call, each number claims they represent Senior Aid Helper or Consumer Counsel. I have not been able to answer one of their calls because I work during the hours they typically call. I have only been able to reach an agent once after calling back and the call was dropped immediately by their agent when I mentioned I was registered on the National Do-Not-Call List about a week ago. Since that encounter, the unsolicited calls have only increased.

I have followed their directions to press " 2 '' every single time they have left a message to be put on their " internal do not call list ''. Despite my efforts and being registered on the National Do Not Call List since XXXX of XXXX, I continually get unsolicited calls from multiple XXXX, MA numbers. I'll list the numbers that have tried to contact me since XX/XX/XXXX, today is XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX Again, this is just in a single week, and I have received 8 calls from six different numbers all regarding the same two companies.

The first company that claims they are from Senior Aid Helper wants to discuss my XXXX  benefits. I am currently XXXX, all of my grandparents have passed, and I have reason to be collecting Senior Benefits at this time. I do not personally know anyone that would be eligible for senior XXXX benefits. The callback number that has been left that is attached to Senior Aid Helper is XXXX. 

The second company claims they are from Consumer Counsel and they are claiming that I have student loan debt. I am still going to school, so I have not graduated yet and my debt has not begun to accrue. As it stands today, I do not have student loan debt ( yet ). The callback number that has been left that is attached to Consumer Counsel is XXXX. 

I do not want to receive a single call ever again from one of these fraudulent companies. I do not know how else to go about removing myself from their call list other than to report these numbers and companies. The one time I was lucky enough to somehow find a way to get a real person to talk to me, they immediately hung up at the first suggestion that I am on a do not call list. When I call back, the menu states that by pressing " 2 '' that will place me on an " internal do not call '' list, that does not work. I have pressed that option EVERY SINGLE TIME these companies have called and I am somehow still receiving calls from them. These companies have not relented in the past 2 months and I feel like I am being harassed by these companies at this point. Oh, I know this is supposed to be complaints about one company, but both companies began their robocalls around the same time and from the same location in XXXX, MA so they are connected. There may be separate names but no doubt the scams run by these two companies are related.
Product: Credit card or prepaid card

Bought an engagement ring from XXXXXXXX XXXX XXXX XXXX XXXX and financed through a promotional offer ( XXXX XXXX interest ) through getting the XXXXXXXX XXXX XXXX XXXX XXXX from Comenity Bank. 

I at XXXX set up automatic payments ( XX/XX/XXXX ) to prevent myself from needing to check the account and ensure payments were made on time. 

XXXXXXXX XXXX later, I received paper mail stating my account was past due and was delinquent. I logged into my portal to find out that the automatic payments were creating returned check fees. 

No email, no call, no immediate communication was given that the account information provided was not correct ( they do not let you copy & paste account numbers when setting up autopay but type and apparently I missed a XXXX in the account number ). 

No system controls in place were used by Comenity to confirm account number or reach me when their systems were resulting in return check charges. 

After an unsuccessful call to Comenity to try to resolve the dispute, I messaged using their portal ( which failed to transmit multiple times ) the following dispute ( they have still not provided communication or feedback on resolution ) : Disputed Amount & Transaction ( XX/XX/XXXX Interest Charged On Purchases : {$6.00} XX/XX/XXXX Minimum Interest Charge : {$2.00} XX/XX/XXXX : Return check charges {$30.00} XX/XX/XXXX : Return check charges {$41.00} Reason for dispute. Please see attachments where I have explained and tried to resolve the fact that the billing system WAS NOT actually conducting auto-payment resulting in the - {$240.00} deductions followed by " adjustments ''. There were no emails XXXX calls that return check charges were being conducted ( check your system ). 

In addition on XX/XX/XXXX being so annoyed that YET ANOTHER automatic payment was made with a returned check fee ( even though I haven't had automatic payments since the original dispute, AND have only XXXX bank on file which was making manual payments without error ) that I decided to link another bank account to just pay off this XXXX thing. When trying to make THAT payment ( XX/XX/XXXX ) their system threw an error saying it was unable to make the payment.
Product: Mortgage

WE ARE NOT REQUESTING A LOAN. WE HAVE REQUESTED THAT THE MORTGAGE COMPANY ( WELLS FARGO ) PROVIDE TO US AN AMORTIZATION SCHEDULE THAT BEGINS WITH YEAR ONE ( XXXX or XX/XX/year> ) OF THE LOAN UP UNTIL PRESENT SO THAT WE MIGHT TRACK OUR PAYMENTS. WELLS FARGO HAS DENIED OUR REQUESTS
Product: Debt collection

XXXX sent us a final notice in XX/XX/2020 of {$160.00}. I paid that bill over the phone with a manager. They sent us another notice in the mail here in Texas for the same amount in XX/XX/2020. I called them and confirmed that the balance is {$0.00}. Because the account is closed and I no longer have access to the security account, the representative will not mail me a receipt. Additionally, despite the {$0.00} balance, XXXX sent over a collection notice to the same agency, Credit Collection Services in XX/XX/2020. They also said it was an error, and promised to report it to the collector. They have not. Credit Collection Services is fraudulently demanding {$690.00} on a PAID {$160.00} bill with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX and Capital one Bank was the bank that financed my loan. I was making payments on time each month until I lost my job of 14 years. I lost everything my XXXX, life savings and had to file a chapter XXXX bankruptcy. I continued to make my payments on time while in a chapter XXXX bankruptcy we converted our current bankruptcy into a chapter XXXX. I was well aware if I done so I would loose the car in the process. I was okay with that. The issues are first this bank refuses to pick up their car after many attempts to order them to. We have a unwanted car sitting in our driveway for months without consent. Secondly they are reporting inaccurately on my credit report showing a charged off auto loan with a past due balance. This loan was included in our chapter XXXX bankruptcy. In fact this bank did not show up for the creditors meeting. They have violated my rights under the FCRA and bankruptcy code. I asked to speak to someone to get this matter resolved they refused to accept my call and only speak to my Attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

im victime of equifax data lick my personal information was exposed and i have star reciving a lot of hard iquares in my credit and some credits aproved, i have informed to the financial intitucion the open acount for fraud has been closed but after a couple of disputes but equifax havent delet the fraudelant activity, for this reazon i file this complain to get fair action and have my credit report recovered from fraudeland activity, also i willbe paert of thge data lick settlement compensation for XXXX and time fixing my credit report
Product: Student loan

To Whom It May Concern : I am writing to lodge a formal complaint against Navient, my student loan provider, for their refusal to grant me the full 48 months of in-school deferment eligibility as outlined in the terms of my loan. Despite multiple attempts to resolve this issue, Navient has consistently attempted to gaslight me by suggesting that I have already utilized some months of eligibility with my prior loan servicer. I am absolutely certain that I have never used in-school deferment with my previous servicer, and Navient is well-aware of this fact. 

Navient has sent me documents from my previous servicer ( please see the attached files ) which they seem to have used to arbitrarily determine the number of months I have already spent in in-school deferment. However, nowhere in these documents is there any indication that in-school deferment was ever applied. In a poor attempt to resolve the issue, Navient has arbitrarily applied additional months of in-school deferment to my account, but this solution is neither satisfactory nor accurate. 

As it stands, one loan has in-school deferment expiring in XX/XX/XXXX, and another in XX/XX/XXXX. According to Navient 's own documents, in-school deferment was first applied in XX/XX/XXXX. With 48 months of eligibility, this would mean that my in-school deferment should not expire until XX/XX/XXXX. 

This issue has been inadequately resolved and poorly managed. Every attempt I have made to contact Navient has resulted in copied and pasted responses suggesting that the issue is being " researched. '' I am disappointed and frustrated with Navient 's lack of transparency and failure to fulfill the terms of my loan agreement. 

I kindly request the Consumer Financial Protection Bureau 's assistance in resolving this issue and ensuring that I receive the full 48 months of in-school deferment to which I am entitled. I have attached all relevant documents for your review and consideration. 

I appreciate your time and attention to this matter and look forward to a prompt and fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  XXXX ). These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.
Product: Credit reporting or other personal consumer reports

please remove this account due to fraud and not being validated under the obligations of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dealership XXXX XXXX ( located in XXXX, Fl ) is completely dishonest. They will do anything to make a sale or profit. Even if they have to lie to you. Prior to making the purchase on XX/XX/2023, my husband and sat down with their finance guy XXXX and had a chat with him prior to signing anything and prior to making the purchase. I specifically told XXXX that i'm okay with making the purchase in cash but him and the sales guy XXXX continued to convince me to apply for credit with them telling me I need to build credit and so on. I specifically asked him how my credit would be affected if I decided to go ahead with credit. I told XXXX and XXXX that I will not authorize or give my signature for a credit check if it results in more than 2 hard inquiries on my credit report. XXXX then promised me and assured me that it is only going to be 2 inquiries from XXXX XXXX XXXX and it will NEVER be more than 2 inquiries and I have nothing to worry about and that I should go ahead and sign to authorize him to do the credit check. He assured me of this over and over. I then went ahead and signed. I got home and saw 7 inquiries on my credit report. He knowingly lied and mislead me for my signature. I gave him a call and he denied it at first claiming that it's only two inquiries and I then told him that I can very CLEARLY see 7 inquiries on my credit ( from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Global Lending Services ) and only then did he finally admit it, claiming that he made a " mistake ''. A few days later, his manager XXXX explained to me how the credit check process works and it was pretty clear that he knew what he was doing and it wasn't a mistake. He just wanted to do whatever it took for me to get a loan with them so they could profit. After that, their sales manager XXXX claimed he was going to make this right and he was going to help me get the inquiries removed. A month later I told him that the bureaus just want a letter from the dealership detailing the mistake and asking to remove the inquiries and that would be the end of this entire situation. But for some reason, at that point he began to deny their mistake and began refusing to assist with the letter to remove the inquiries, and he was claiming that he thinks i'm recording him. Which is ridiculous. I don't understand why they're so worried about fixing this mistake. Why they're paranoid about being recorded even though I was not recording them. Something very shady is going on with that business. That is clear.
Product: Credit card

On XX/XX/2017, Chase bank proceeded to do a hard inquiry for promotional purposes without my consent. My credit file has been black for all promotional purposes. This has created a reduction in my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for egregious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. My concern revolves around XXXX XXXX 's inaccurate reporting of negative transactions on my consumer report, a clear infringement of the rights protected under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). 

In addition to the FCRA violations, XXXX XXXX has failed to provide the appropriate mechanisms for me to exercise my legal right to opt-out of the sharing of my nonpublic financial information with third-party non-affiliates, as mandated by 16 CFR 313.7 and 15 USC 6802. This blatant disregard for consumer rights is unacceptable. 

Despite providing XXXX XXXX XXXX XXXX with formal notice of my decision to opt-out, the institution persists in violating the Fair Credit Reporting Act and the Privacy Act of 1974. This not only represents a fundamental breach of my privacy but also undermines the integrity of the regulatory framework established to safeguard consumers. 

I am urging the Consumer Financial Protection Bureau to conduct a thorough investigation into XXXX XXXX XXXX XXXX 's practices and take immediate action to rectify these flagrant violations. As a regulatory body empowered by 15 USC 3805, I expect the CFPB to enforce the laws designed to protect consumers like myself from such reprehensible conduct. 

XXXX XXXX XXXX XXXX must be held accountable for their actions, and I request that the CFPB intervenes swiftly to address these violations and ensure compliance with all pertinent federal statutes. 

I appreciate your prompt attention to this matter and look forward to a decisive resolution that upholds the rights and protections afforded to consumers.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$38000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed {$1900.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : I have no knowledge of the accounts on my credit report. 

The accounts that I dont have knowledge of is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) I also have an inquiry from XXXX that I did not authorize. Please delete that inquiry.