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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name 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 XXXXccount Number : XXXX
Product: Debt collection

I was a victim of identity theft and this account is not mines. I just noticed that this was on my credit.
Product: Student loan

Navient has been telephonically contacting and mailing letters especially a letter that indicates regarding negative information on my credit report which may make it difficult for me to obtain future credit including auto loans, additional education loans, home loans and even credit cards. Apparently, I tried to refinance my condo, but Navient affected and damaged my credit rating. I am XXXX, XXXX veteran, and on a fixed income. I am a cosigner for my daughter 's college loans and she has not graduated yet. Navient is very unfair and reported me to the credit bureau. I used to have good credit ratings, but Navient damaged it only to intentionally prevent me from obtaining other loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Student loan # XXXX reported my account late in XXXX  2011. I requested validation of this information to verify their reporting and have not received any details or validity.

To my knowledge any data furnisher must advise you for any negative reporting prior to reporting and i have never received any email or mail stating the possible negative reporting.

Also this information is NOT true and NOT or NEVER been late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX Acct XXXX XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX # Acct XXXX has violated my rights. 

15 U.SC 1681 section 602 A. States I have the right to privacy.

15 U.SC 1681 section 601 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

In XX/XX/year>, I was approved for a capital one account with a {$200.00} spending limit. I used the card probably 3 times, before it was stolen, along with my wallet with all ID, and my cell phone. I was able to request a new card, the balance be reversed and supposedly, the company placed a fraud alert on the account. By XX/XX/year>, the card that was sent due to the identity theft, unfortunately was stolen again. I was fleeing XXXX  XXXX, living in a shared living space ( a DV shelter in XXXX, FL ). I immediately requested another fraud alert, because I was told in XXXX, that the alert the company said they'd places on my account, was never issued on the account at all. So, the rep once again took my complaint, and sent another card, asurin me that my credit limit would increase because of the trouble and because my balance SHOULD have been XXXX  out, due to the identity theft. I did my due diligence to alert the company when I was made aware of both the charges to the card, as well as the fact that my mail and personal information was stolen for a second time at the same establishment. Capital closed the account, without my approval or knowledge and when I attempted to login to gain access and to get billing statements for my identity theft report, capital one denied me access or any info in regards to what has taken place. They completely disregarded my attempts at placing a fraud alert on the account, they also denied me access to an account I had been able to access prior to them closing it without my consent or knowledge. So, because I was the VICTIM of fraud, as well as XXXX  XXXX and homelessness, the company has hindered my credit history. XX/XX/XXXX, I filed the first complaint with the CFPB and still, by XX/XX/XXXX " company response in progress '' is absolutely unacceptable.
Product: Debt collection

HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH PORTFOLIO RECOVERY ASSOCIATES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Product: Debt collection

This company keeps calling me about a personal debt on a work cell phone that doesnt belong to me. I have no idea what the debt is as I constantly ask them to contact me in writing before we get into the debt. Today after receiving another call from these people, and trying to explain yet again, the rep XXXX became abusive and belligerent at the end of the call. This needs to stop. Harassing people this way is unacceptable.
Product: Credit card or prepaid card

I HAVE 2NDING XXXX CREDIT CARDS PAST DUE AND I NEED TO SETTLE BOTH ACCOUNT ENDING XXXX AND XXXX, ONE ACCOUNT HAD SINCE XX/XX/2009. 
THE TOTAL OWED ARE $ XXXX SEE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I called the representative they kindly agreed to have Dept of Edu Closed Accounts Removed from my Experian & by the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1679c. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. 

Credit Report, XXXX XXXX XXXX XXXX have both followed thru this request but Experian has not. 

Its been about more than a Month Later & Still having Issues with Experian by Removing this from Credit Report.
Product: Checking or savings account

On XX/XX/XXXX I called Navy Federal to report an unauthorized debit from XXXX XXXX. I am a Provider and receive payments from them several times per week. XXXX debited {$2600.00}. Before I called NF I spoke to several departments and supervisors at XXXX. They had no record that I owed any money and they did not see the debited funds under my Provider number, TIN, or bank account number. When I called NF I reported this to the rep including names, departments, and responses. She typed it up and sent it and said that it could take up to 10 days to process. I never heard from NF. I called again on 2/1 to ask what was the holdup. Another rep took my information down and sent a message to the back office and told me they would follow up within 24 hours. On XX/XX/XXXX I reported that another debit had been taken from my account. The rep stated an investigator would be assigned and it could take 10 days to follow up. I called again this morning and spoke to a supervisor in the fraud department who read a letter sent to me stating that they had reached out to XXXX and I should call the 1800 number. I explained again that I had spent over 4 hours talking to several people who could not tell me why the money was taken and they could not see the money had been taken. I also found a doc from XXXX that explains that funds are never debited from provider bank accounts and explains how overpayments are resolved. XXXX will leverage any overpayments against future payments. They never debit your account. I have been a provider with them for 5 years. Further, to date, I have not gotten a letter, request or any other correspondence from XXXX relating to the debit. As I stated there is NO record that the funds were taken from my account. I had to ask NF to put a stop payment in place to prevent future debits. That should have been done initially but NF never took the complaint seriously. I had to request they do it.
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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard and soft inquires .

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 MAKER 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 REPORTING AGENCY IF THE PERSON KNOWS O
Product: Credit card or prepaid card

Had a credit line opened due to getting a credit account towards some camera equipment through XXXX for {$2000.00} on XX/XX/XXXX. We paid the remaining balance of {$1900.00} on XX/XX/XXXX to pay off the remaining balance on the loan. On XX/XX/XXXX received a credit card in my name with a line of credit stating {$1500.00}. This was never requested or approved by me. I received an email on XX/XX/XXXX saying that they were converting my Fortiva retail account with XXXX to an upgrade XXXX. I did not request this nor gave my permission stating I wanted this done. They have sent emails through the years but I never opened them because my line of credit for the equipment was paid in full XXXX years prior. I shouldnt have to answer an email to reject ANYTHING I did not request especially them running my credit without my permission or opening a credit card without me saying I agree or personally asked for. My credit was hit and lowered due to their actions. I called and had the account closed today on XX/XX/XXXX but never should have had to do this because I never asked to have this opened in the first place.
Product: Payday loan, title loan, or personal loan

I took a loan. Application number XXXX. Of only XXXX. It was meant to be short term. I applied and they have NO information on their website about payoff or easy payoff. Everytime you call them they keep you on hold so you give up and make it difficult to pay you. I sent the account to debt management. However i decided to call and pay off the loan. I have been trying to pay it off since XX/XX/XXXX. Nobody calls you back. 

The most ridiculous part is that they said I can not pay them anything and they will give me no additional information unless i go to an attorney and give them a power of attorney. Just to pay off a loan? 

XXXX XXXX XXXX I did some digging up and apparently they are very notorious for pay off. They do it on purpose to keep accumulating interest. 

Please help me! Due to bad times this has happened to me. I am making it right and want to pay them off. What is this ridiculousness.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are several late payments showing on my account innacuratly during the XXXX protection period.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged in the following items listed below that have been showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$6500.00} ; XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$76.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$160.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Professional Finance Company is listed frequently in complaints. They must offer lots of bonuses to their employees. 

I had shoulder XXXX 7 years ago at XXXX XXXX XXXX XXXX of the XXXX -- XXXX XXXX. Not only was the XXXX unsuccessful, I was billed twice what the initial estimate was. Due to these factors I was not thrilled about paying, but I did attempt to, making an initial payment of {$700.00} and made some further payments. 

Well not long after I am told XXXX XXXX XXXX has the debt and they become quite aggressive in its collection, but now its even more, a {$2000.0

0} surgery is now {$4000.00}. I go to court and settle with these people and begin a fair payment plan which is automatically withdrew from my account monthly.
5 years later. I get another subpeona saying I owe the exact same amount and more for the same XXXX. 5 years of payments. Turns out they stopped with drawling 6 months ago and I didn't even know it. So court again tomorrow. They should be paying me by now and a counter-suit in the works.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent reservation was made through the XXXX website using my XXXX financial loan info without my consent or knowledge. I contacted XXXX to report and dispute the unauthorized/fraudulent activity and after 30 days they settled on a resolution that I still owe this loan but did not provide any proof or reasoning why. I contacted XXXX to confirm that I've never had an account or reservation with them and asked if they had any knowledge of this reservation, which they did, and they've since removed the reservation from their site but claimed they would refund the full reservation amount since their was fraudulent activity done and they would look into it. NO additional information was provided from XXXX regarding the reservation. I also filed an affidavit with XXXX  and submitted a FTC report on both organizations as a response to the resolution that I was a victim of identity theft and that the reservation made on the XXXX website was not done by myself or with my knowledge or consent. XXXX has since sent the now delinquent loan to 3 different collection agencies and 2 of the 3 stated that with the proof of documentation I provided to them, they would not be pursuing debt from me on this loan and would contact XXXX to confirm their decision. XXXX did not reach out to me with any updates or information at any point but proceeded to send me the third collections agency which I have not received any communication from. I've also filed a fraudulent dispute with Experian in XX/XX/2021 and they also came back with a resolution that the XXXX loan will remain on my account. I have received no documentation to prove this debt is mine but have filed and sent fraudulent and identity theft reports, a signed affidavit, several calls and emails proving this loan was fraudulent, unauthorized and that it should be removed from my credit report. I've spoken to several XXXX supervisors and representatives that have a log of all the calls and emails and supporting documentation that proves this loan was not authorized by myself and should never have been approved.
Product: Mortgage

New York community bank aka Ohio savings bank called the heloc XXXX XXXX years early due to no longer writing heloc and requested full payment of the balance. I attempted in XXXX and XXXX to make a payment over the phone to keep current so I could refinance with another bank and offered to mail a pmt. All payment requests were refused by the lender and the phone representatives only concern she asked me was if the calls to pay was on a recorded line. They have reported me as delinquent and I am unable to refinance because of their reporting. The lender originally lied and stated the loan has reached its maturity date which I was able to quickly prove the maturity date of 2012. Furthermore I was billed approximately XXXX per month throughout the term both by mail and on the automated system. I paid XXXX per month when billed for the lesser amount. Just last week In speaking with a customer service rep at the bank was advised the payments were approximately 450.00+ per month. I was never advised of this previously at any point nor was I in default prior for the supposed short payments.When first notified of their decision I was advised by a representative at the bank that i was not able to sit down with anyone t the bank to discuss their " offer to help '' paperwork nor was there anyone at the bank who I could call to discuss. The lender has been very deceitful, provided incorrect information and lied during this entire process besides refusing to take payment then reporting me as late to the credit bureau. I attempted to refinance and now can not. I did not want to do business with this lender any longer but was forced to go back to them due to the situation to try and rectify the issue. customer service representative at the bank assisted me with the loan application paperwork but is not a licensed loan officer. That is a big concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate! 
I look forward to your written response confirming your compliance on this matter as well as an updated credit report.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT, and I include it again. Kindly correct or delete the following accounts XXXX XXXX XXXX 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: Mortgage

I have been getting phone calls from this company everyday and yesterday a lady that called cursed at me because I got upset with them calling me. I asked them to take me off the calling list at least five times. The companies name is Lending3.