23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX  ( XXXX ) is in violation of Forced Placed Insurance, lying and deceit. On XX/XX/2018, XXXX stated, " Lenders Placed Insurance In your inquiry, you question XXXX adding Lender Placed Insurance ( LPI ) to the account. XXXX does not show that any LPI has been added to the account. '' However, in correspondence ( certified mail ) from XXXX dated XX/XX/2018 and received XX/XX/2018, XXXX states, " This is your second and final notice that our records show that your hazard insurance expired and we do not have evidence that you have obtained new coverage. Because hazard insurance is required on your property, we plan to buy insurance for your property ... ... ... ... ... .. The insurance we buy : Will cost an estimated {$1100.00} annually, which may be significantly more expensive than insurance you can buy yourself. '' On numerous occasions I have explained to XXXX they have no legal security interest in the property they now claim to be placing forced placed insurance on. The legal description in all notes and mortgages do not coincide with the property they are now fraudulently trying to place insurance on. XXXX continues to conduct business in a fraudulent manner and continues to go unchecked by appropriate authorities. I demand appropriate action by the CFPB.
Product: Credit reporting or other personal consumer reports

I have sent debt validation letter since XX/XX/XXXX  XXXX XXXX  XX/XX/XXXX  and again on XX/XX/XXXX  I also went throught the XXXX  and have file complaints through this company and XXXX XXXX and XXXX that my social security number has been confiscated on several occasions and unauthorized accounts have bee open in my name. These companies fail to investigate these accounts and I haven't received any validation of debts from the company either inwhich the company 's are violating the laws of the FCRA BY NOT REPLYING WITH THE 30 DAYS
Product: Credit card or prepaid card

Was sent a US Bank ReliaCard for unemployment claim. I am not unemployed nor did I apply for the card. I contacted the company to cancel card. They indicated my personal information was used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX Credit Bureaus after I purchased a credit report with XXXX XXXXn XX/XX/23. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/23. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts be corrected. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Holder : Mr XXXX XXXX XXXX XXXX XXXX Contacts : XXXX XXXX Details of your complaint : Let me be clear above a few facts, 1. The personal XXXX and the business XXXX are recorded on my XXXX XXXX as being closed for sometime, 2. you can not go into XXXX and submit information of late status payments when the account is Closed, credit card agreement had been reached which changed the original date from the XXXX of every month to the third 3. Reason being the XXXX of every month is only for active accounts my personal visa is non Active my business visa is also non active and has been in hardship department for sometime therefore I am not held responsible under the agreements of a active account. 4. 
All expected payments on this account will be paid on the third of each month and not before and I don't care what your review is coming XX/XX/XXXX, It was I who found a way to start paying on those two credit cards as far as I'm concerned we can go back to the way it was XXXX for the car and nothing for the credit cards.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently reviewed my credit report and noticed several unauthorized attempts to pull my credit from companies I did not consent to. I believe these transactions or identity theft and request them to be removed immediately below are the inquiries in question. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DELETE ALL THESE INQUIRES
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention several serious violations committed by TransUnion, a consumer reporting agency, in relation to the Fair Credit Reporting Act ( FCRA ) and the protection of consumers ' rights under federal law. It has come to my attention that TransUnion has failed to comply with the provisions outlined in 15 USC 1681 and the FCRA Sections 611, 616, and 617, as well as violated identity theft laws as per the Federal Trade Commission ( FTC ). XXXX XXXX XXXX XXXX XXXX XXXX, violated my consumer rights via fraud directly related to information sold and transferred to TransUnion. 
First and foremost, TransUnion has failed to fulfill its obligations under 15 USC 1681, which mandates the accurate and fair reporting of consumer credit information. Despite the requirement to maintain reasonable procedures to ensure maximum possible accuracy, TransUnion has negligently reported erroneous and misleading information on my credit file. This inaccurate reporting has had a detrimental impact on my creditworthiness and financial standing, as well as impeded my ability to obtain credit, secure housing, and access other essential services. 
Furthermore, TransUnion has violated FCRA Sections 611, 616, and 617, which specifically address consumer disputes and the responsibilities of credit reporting agencies in handling such disputes. Despite my numerous attempts to dispute the inaccurate information on my credit report, TransUnion has either failed to conduct a reasonable investigation or provided a perfunctory response that did not adequately address my concerns. This failure to comply with FCRA requirements has deprived me of the opportunity to rectify the inaccuracies and protect my consumer rights. 
In addition to these violations, TransUnion 's actions also constitute a breach of identity theft laws as outlined by the FTC. The inclusion of fraudulent accounts and erroneous personal information in my credit file indicates a failure on TransUnion 's part to implement sufficient measures to protect against identity theft. By allowing such information to be present and persist despite my diligent efforts to correct it, TransUnion has further exposed me to potential harm, financial losses and illegal reposession by XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Not updating accurate information nor investigating properly and taking major points from my credit score back to back, also had to call and have a Supervisor to contact XXXX XXXX as well to verify the error that still was being reporting on my report takin my points
Product: Debt collection

Ive received calls from XXXX which belongs to a company called XXXX. They would not tell me the actual name of the company or the reason they are calling. They would only tell me that they have a matter to discuss with me. They spoke to me aggressively and I felt threatened by the language they used. I never gave this company consent to contact me, I have no contractual obligation to this company. I searched the name of the company and the phone and found that they are a debt collection agency. I am a federally protected consumer and dont owe any debts. This company has no permissible purpose to contact me through any means.
Product: Student loan

XXXX. XX/XX/XXXX XXXX received notice my Sallie Mae loans were going to move to Navient " This past spring, Sallie Mae became two companiesSallie Mae and Navient. Because of the loan ( s ) you have, you'll become a Navient customer starting this fall. Rest assured your loan ( s ) has not been sold. '' 2. I never missed a payment for my XXXX or XXXX XXXX XXXX XXXX XXXX XXXX loans XXXX. University XXXX XXXX XXXX me and I was drowning in loans- and struggling to pay them back ( not making a dent ) but never missed a payment XXXX. I was in the automatic relief group of XXXX Vs XXXX and my application was approved. I received a letter from XXXX XXXX XXXX in XX/XX/XXXX stating my loans were XXXX and I would receive a refund XXXX. I didn't fully understand the different type of loans- I was told consolidating my loans would be best for me- yet I never made dent paying them off. The letter I received from the XXXX XXXX XXXX didn't explain any of this and said I WOULD receive a refund XXXX. I kept calling both the XXXX XXXX XXXX and Navient ( about 6 times ) throughout the XXXX and now into 2024 year and 3 times after the deadline of XX/XX/XXXX. I never received my refund. Navient informed me they never heard anything from the XXXX XXXX XXXX and they didn't ' know what was going on- XXXX. I filed a dispute case XXXX in XXXX of XXXX with the dept of education didn't respond to me for 2 months. I finally received a response that I have a Commercial FFEL which gets relief but not a refund ( which was different than the letter stated in XX/XX/XXXX ). 
XXXX XXXX XXXX, I filed a XXXX misconduct XXXX with Navient and was immediately denied because they said my loans are XXXX XXXX. In XXXX XXXX of XXXX, Navient entered into a settlement with XXXX state attorneys general regarding its lending practices at a number of for-profit schools and my XXXX ( University XXXX XXXX XXXX XXXX XXXX on the list XXXX. I am not sure when my loans were sold from Sallie Mae to Navient, if the 'loan type ' changed. Sallie Mae said my loan was owned by XXXX ( South Dakota ) and was transferred to Them XXXXallie Mae in XXXX of XXXX which Sallie Mae then transferred them to Navient XXXX XXXX. Throughout all of this, it is unclear what type of loan I had. I am not clear if My loans are actually XXXX, XXXX, XXXX XXXX or XXXX. Navient tells me they are " XXXX '' with no further explanation, and the XXXX XXXX XXXX states they are commercial XXXX. 

I was given a letter by the XXXX of education with an approved application that I would be receiving a refund, and Navient claimed for over a year, they heard nothing from the XXXX of XXXX. There seems to be a GAP in the commercial XXXX loans ( if that is what I really have ) and I feel I should receive a refund.
Product: Credit card or prepaid card

I have a loan with JPMCB CARD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX, and JPMCB CARD with no successful resolution. XXXX XXXX XXXX XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XXXX ), also I was never 60 days late ( XXXX ), moreover I was never 90 days late ( XXXX ), lastly I was never 120 days late ( XXXX, XXXX, XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I believe the culprit is my ex-girlfriend and mother of my children. Our relationship was very toxic so I moved out of our home and moved in with my parents while I stabilize because I can not afford two leases and since my move it seems like she has started using my credit without my permission. I don't want her to go to jail but clearly she doesn't understand how damaging this has been to my credit. There are several inquiries reporting on my credit report I don't recognize and I firmly believe she has been continuing to acquire credit in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I called XXXX XXXX XXXX XXXX and requested my XXXX and transunion credit reports both of which I am entitled to free.It is now XX/XX/2018 and I have received neither. I called the above given number to check on the status of mailing of these reports and there was no such function.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX, this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my XXXX has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my XXXXo say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more XXXX
Product: Credit card or prepaid card

I have a comenity mastercard thru Bjs XXXX XXXX that has been declining for four days. I have called everyday multi times a day the number on back of card and Im hung up on or doesnt go thru. couldnt sign into my account online until yesterday everything looks good so no reason to be declined. This by the way is my only credit card.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

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

I was a victim of Identity Theft. Several Accounts were opened fraudulently in my name. I submitted a Police Report and Identity Report to have this information blocked from my report to Equifax, XXXX and XXXX. Unfortunately, the credit bureaus have refused to remove all the credit inquiries that were tied to this identity theft. They only tell me to contact the original creditor who I have no relationship with. Please assist me in having the credit bureaus remove all the credit inquiries that are still affecting my credit due to the Identity Theft I have endured.
Product: Debt collection

I am very concerned. There is a late payment reported on my account on XX/XX/XXXX. My financial life has been ruined due to this situation. 

I was not actually late. There was a third-party company that was supposed to make the payment on my behalf. I realized that I was reported as late, and I decided to contact this company. In my mind, the payments were on time, as normal. I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter. I sent Nordstrom proof of bank error, but they disregarded it and didnt remove late.

I am requesting Nordstrom to correct the late payment. This was a situation that I could not control, I was not even aware of what was happening. Ive been with your company for 3 years and I want to keep on having a good relationship between us. 
I really hope you can deeply research this case and take a fair decision. 

Account information : NORDSTROM/TD BANK USA XXXX, opened on XX/XX/XXXX, highest balance {$9700.00}. 

Thank you.
Product: Vehicle loan or lease

Wells Fargo repossessed our car without notice and did not give us the option to pay the due balance and get the car back. The car was actually also burglarized during its repossession with bunches of stuff stolen out of it without any remorse from Wells Fargo that being a sidenote, the reason I'm contacting is because we have not received any settlement pertaining to this event, even though Wells Fargo has been sued and lost the class actual lawsuit in the report that y'all have on your website, it says that I should make a claim if we still have yet to receive a payment so here I am making a new claim I see that y'all have a civil penalty fund formed and I'm trying to touch base with y'all about this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

on XX/XX/2016 ACH DEBIT XXXX XXXX XXXX was overdrawn and charged {$35.00} for NSF. AFTER THAT CHARGE ALMOST ALL CHARGES WERE GETTING OVERDRAWN MOST OF THEM XXXX OR XXXX I TAKE TO WORK AND BACK HOME. XXXX CHARGES TIMES {$35.00} TOTALING {$560.00}. I ATTEMPTED TO ADD CASH TO MY ACCOUNT WHEN I NOTICED WHAT WAS GOING ON. RABOBANK ALSO STARTED CHARGING MY ACCOUNT OVERDRAFT FEE FOR CONTINUOUS OD XXXX XXXX TOTALING {$25.00}
Product: Credit card

I opened a secured credit card through Wells Fargo in XXXX of 2013 in the amount of {$500.00} At the time when I opened the account I was told after 12 months I would be graduated and the account would no longer be secured. As long as I used the card and paid on time. I have done both and it has almost been 2 years now and they refuse to unsecure the card and refuse to tell me why they wont. I XXXX paid too early and it resulted in a late fee but after speaking with them they saw the payment I made and reversed the charge. I really think this issue is holding my account from being upgraded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED AN INACCURATE BANKRUPTCY WITH EXPERIAN SEVERAL TIMES. AFTER THE INITIAL DISPUTE THEY INFORMED ME THAT THE BANKRUPTCY WAS VERIFIED, AND IT WAS VERIFIED THROUGH XXXX XXXX. WHILE DOING MY OWN INVESTIGATION I CONTACTED THE BANKRUPTCY COURT & XXXX XXXX DIRECTLY. AFTER REVIEWING MY XXXX  XXXX  REPORT IT STATES THERE IS NO RECORD OF ANY BANKRUPTCY FOUND. I RESUBMITTED MY DISPUTE WITH EXPERIAN AND ATTACHED ALL OF MY SUPPORTING DOCUMENTS WHICH STATES THERE'S NO BANKRUPTCY FOUND. I ALSO DISPUTED THIS WITH XXXX  AND XXXX, AND BOTH BUREAUS REMOVED THE INACCURATE BANKRUPTCY. I THEN PROVIDED EXPERIAN WITH MY INVESTIGATION RESULTS WHICH SAYS THE BANKRUPTCY HAS BEEN REMOVED, AS WELL AS THE XXXX CONSUMER DISCLOSURE REPORT FROM XXXX XXXX. AFTER ALL OF MY SUPPORTING DOCUMENTS THEY HAVE YET TO REMOVE THE BANKRUPTCY AND IS LYING SAYING THEY VERIFIED THE PUBLIC RECORD.
Product: Credit card or prepaid card

I had a credit card accounts with SYNCXXXX that got delinquent due to personal issues. When i got back on my feet I settled this account under the agreement that it would be completely removed from my credit reports yet they still remain. I contacted then several times in the past to resolve this with no luck because i did n't get the agreement in writing from the CSR that assisted me and assured me they would remove the account from my credit reports. here are the partial account numbers listed on the credit bureaus XXXX ....
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. Someone used my social to try to obtain credit. I have inquiries on my credit report i did not authorize. I have not applied for credit.
Product: Student loan

I attended XXXX XXXX XXXX XXXXXXXX XXXX XXXX from XXXX and later on XXXX XXXXXXXX XXXX from XXXX where I took out loans. The XXXXXXXX XXXX XXXX loans were signed off by me at XXXX and me alone. I did not really understand the process. Unbeknown to me my parents took out additional loans in my name that were not used for college. I found this out years later and as everything was signed by me I have no concrete proof as to which loans they were. 

I began working in education in XXXX and am still employed in an academic setting. I began the PSLF process in XXXX and was expecting to receive full credit for my years of service from XXXX. I was told various reasons as to why many months were not being credited including working as an adjunct instructor part-time. None of my part-time work counts. That includes XXXX XXXX XXXX From XXXX onwards I worked full-time but still did not receive credit because I was in school for three years getting a XXXX XXXX  or because I could not afford a full payment when I was making payments so those months did not count. 

I believe that as of XX/XX/XXXX I had put in my 10 years of service to the community and should receive credit for that work. After having to re-consolidate loans to qualify for PSLF because I was in bankruptcy from XXXX I have been told that I am now going to be paying on all my loans for the next 30 years. 

It's disheartening that I am doing what I was told to do and seem to continually be penalized by MOHELA at every turn. I really would like these loans forgiven. 

Thank You