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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Because of fraudulent Black market activity on my credit, all 3 bureaus have put a one year Fraud alert on my credit.
Product: Debt collection

This debt is not mine i have asked numerous times it be deleted. Im harassed and my family. Says it was opened XXXX which is not true. {$1000.00}
Product: Checking or savings account

I received an email to my primary email address on XX/XX/year> that an account was open under my name for Chime XXXX. I have no knowledge of this bank and neither did I authorize anyone, on my behalf, to open an account there. 

The next day, on XX/XX/year>, I received another email letting me know that they had shipped a debit card to my old address from 7 years ago. I immediately got suspicious and reached out to the bank. 

The bank did promptly close the account but were unable to provide me any info on what might have caused this breach. It certainly does'n't seem like they ran a credit check which would've flagged my info since the information there seems to be old.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing credit report found this incorrect accounts, I also tried reaching out to credit bureau and companies for resolution without any help or changes. The following accounts are incorrect XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. The following inquires XXXX XXXX, XXXX, XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXXXXXX 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 an account without written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information .And other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Navy federal credit union posted my transactions out of order and took longer to post certain transactions which then caused me to believe I had more available funds so I continued to purchase but then they posted all transactions days later all at the same time which then caused me to overdraft
Product: Payday loan, title loan, or personal loan

On my XXXX report, Net Credit as of,XX/XX/XXXX, is listing my account as being closed on XX/XX/XXXX and reporting the account as closed/charge-off. However, all other reports have shown that the account was closed/sent to collections in XX/XX/XXXX. I entered in a payment arrangement with Net Credit in XX/XX/XXXXand agreed to pay {$170.00} per month for 61 months. I have been paying said amount since XXXX. On XX/XX/XXXX I received an email from Net Credit offering me another payment plan of {$170.00} for 55 months. With my account now reporting that it was closed on XX/XX/XXXX - I find it peculiar that I received that an email 2 days before asking me to enter into a new payment arrangement. With the new reporting date, Net Credit is purposefully try to re-age this account to keep it on my credit report a year longer than it is supposed to be. Net Credit with it 's obscene interest rates and predatory lending practices has already wreaked enough financial and emotional hardship ( to include almost making me lose my job ) that at the very least they can correct their reporting to the credit bureau. I would also like to ask the company to remove the charge-off status on my report. I am in the process of trying to refinance my home to pay for the extensive medical care that my XXXX year old son needs. He has a XXXX XXXX XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX ), and his medical bills are mounting. This charge off status is not allowing for the refinance to happen and is literally going to cause my child to miss out on the medical care that he so desparately needs. While I doubt this company cares about the health of my child and or my circumstance, it would be life saving if they did.
Product: Vehicle loan or lease

I bought a XXXX caliber from XXXXXXXX XXXX ( XXXX XXXX XXXX, this vehicle quit running 3 a few weeks after purchase so XXXX auto sent it to 2 different automotive repair shops for repair Unfortunately neither repair shop could figure out what was going on so it was not fixed The manager at the time ( XXXX ) offered to trade me out of that caliber into a different vehicle, so I took that option, this vehicle is a XXXX XXXX XXXX XXXX XXXX which is now paid off, now a couple years later I decided to buy another car and I find out that there is a voluntary repossession on my credit repair, I called XXXX to remedy the situation and I talked to XXXX who is the district XXXX at XXXX auto He knows exactly whats happened and said that if I have any problems to call him. I do still have the recorded message of XXXX and Is conversation about said vehicles as my XXXX is set up to record phone calls. I have tried a couple times to dispute said report with no avail Id like this inaccurate information taken off my report asap before I am forced to take other action against XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and then I submitted a complaint to the CFPB on XXXX/XXXXXXXX. I called and gave them my authorization on XX/XX/XXXX and they said they didn't receive my CFPB complaint. I feel like I'm being taken advantage of because it has been well over 90 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 120 days days, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Product: Debt collection

Biehl and Biehl Debt Collection agency calls me without allowing their phone number to show up on my caller I.D . After talking with me over the phone, I still received a letter telling me the same thing that was discussed over the phone.
Product: Prepaid card

I received an email from US Bank stating that the State of WA requires them to notify me of unclaimed property, which is prepaid XXXX credit card in the amount of {$75.00}. It tells me to call a number to have the card reissued if I dont have it anymore, which I dont. When I call, Im directed to a website that tells me to call that same number and has no further instructions or help. The letter lists a property number which is XXXX, date last active which is XX/XX/21, system of origin XXXX.
Product: Student loan

In  XXXX , I applied for a Federal Loan Consolidation for my Department of Education loans ; I selected  XXXX  to be my new servicer. After Navient, my current loan servicer ( and servicer of my private loans ), received word of my consolidation application -- whether coincidence or not -- raised my interest rates by .25 % : adding almost {$150.00} to my monthly payments.     The customer service representative claimed the rate increase was due to market changes put forth by the Federal Reserve ; those rate increases were made in  XXXX , though, and my  XXXX  interest was not raised. It was not until after word of my consolidation application that my interest rates were increased.
Product: Debt collection

I reached out to LexusNexus and asked for a verification letter, validation letter, A wet signature contract agreement letter, and a letter from the bankruptcy court regarding the items that is on my credit report. They indicated that the information was verified through the credit bureau. I reached out to the credit bureaus,, and the credit bureaus indicated that they received the information from Lexisnexis. Please note that I am a victim of identity theft, as well as a victim of the XXXX data breach...
Product: Student loan

My Navient account is locked due to failed attempts at logging in. Even though I use plenty of personal information to retrieve username and changing password. It says, I should call them to have them unlock it. 
I 've called multiple times in the past year only to be on hold for more than 45 minutes then I hang up. I 've gotten though once, only to be told, " I do n't know how to help you '' and then asked to be transferred to someone that does. During the " transferring '' of the call, I 'm hung up on. I 've stopped bothering to get into my account because it 's on auto pay and they do n't bother me. 
However, it 's ridiculous for this to be happening. Managing your account should n't be this hard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to the credit bureau regarding the identity theft and fraudulent items on my credit report I have also sent FTC report as well as a police report and a identity theft affidavit signed and notarized I have yet to receive any results from the Bureau. I sent these item XX/XX/21.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

These are the accounts and their account numbers : 1. Account name- XXXX Account number- XXXX 2. Account name- XXXX XXXX Account number- XXXX 3. Account name- XXXX Account number- XXXX 4. Account name- XXXX Account number- XXXX 5. Account name- XXXX Account number- XXXX Please remove it from my credit report. 

6. Account name- XXXX Account number- XXXX 7. Account name- XXXX XXXX XXXX Account number- XXXX 8. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX 10. Account name- XXXX Account number- XXXX  11. Account name- XXXX  Account number- XXXX  12. Account name- XXXX XXXX Account number-XXXX 13. Account name- XXXX XXXX Account number- XXXX 14. Account name- XXXX XXXX XXXX Account number- XXXX 15. Account name- XXXX XXXX Account number- XXXX 16. Account name- XXXX XXXX Account number- XXXX 17. Account name- XXXX XXXX XXXX Account number- XXXX 18. Account name- XXXX XXXX XXXX Account number- XXXX XXXX 19. Account name- XXXX XXXX XXXX Account number- XXXX 20. Account name- XXXX XXXX XXXX Account number- XXXX 21. Account name- XXXX XXXX XXXX Account number-XXXX  22. Account name- XXXX XXXX Account number- XXXX 23. Account name- XXXX XXXX  XXXX Account number- XXXX 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.

15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments
Product: Checking or savings account

I noticed a charge from XXXX for a trip that was not authorized. I contacted PNC bank to let them know after I had already reached out to the merchant as well as the resort which was saying I had a purchase. While speaking to the resort I was told they could take the fraudulent reservation off right away as the date was more than XXXX weeks out ( have phone records as this was a out of the country call ). I contacted XXXX to have this removed. I was told they would need to speak to the resort. I informed them I had done this prior, but understood I would need them to directly contact them. A gentleman from XXXX contacted the resort while I was on the phone and was told the same information. Once this was confirmed the denied cancelation even though it was XXXX weeks out and I informed them to remove it. I contacted PNC to let them know this was not a valid charge and was given a provisional credit on XX/XX/year> as the reservation was for mid XXXX. 
Out of nowhere on XX/XX/XXXX my provisional credit was reversed and my account was debited {$2600.00}. I again disputed the charge after asking how I was responsible for this charge. I was told that I had previously had a relationship with the company which made it valid. That was more than unexpected for reasoning.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I handwrote dispute letters to all three credit bureaus about inaccurate and incorrect information on my credit reports. I also been disputing these items since XXXX of 2020. I specifically requested that they verify the information with proof of my handwritten signature on loan or credit documents and provide information and evidence on how they verified this information. Since the information was different on ALL three bureaus, I demanded that this derogatory information was deleted or removed. However, XXXX  and XXXX  sent back reports showing that the information was updated. I did not ask for anything to be updated. Under FCRA, any inaccurate or incorrect information must be deleted and not replaced there. Replacing derogatory information on a person 's report that is still fraudulent, unverified or inaccurate is still breaking the rules and regulations of the FCRA. Anyone can sit in front of a computer and fill out information without a person 's permission and send it in and have open accounts in a person 's name without them knowing it until they check their credit reports.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Accounts Identity Theft Dear XXXX, I am writing to formally dispute two XXXX  XXXX accounts on my credit report that I believe are the result of identity theft. The account numbers are : 1. XXXX  XXXX # XXXX ( Charged-off : {$490.00} ) 2. XXXX  XXXX # XXXX ( Charged-off : {$490.00} ) Both accounts were opened without my authorization in XXXX. I have contacted both XXXX  XXXX and the credit agencies XXXX, and I filed a Fraudulent Account Statement to dispute these charges. 

The details of the accounts are as follows : First Account : Charged-off on XX/XX/XXXX Reported in good standing on XX/XX/XXXX Second Account : Charged-off on XX/XX/XXXX Reported in good standing on XX/XX/XXXX I discovered I was a victim of identity theft while preparing my taxes, which has made this situation even more distressing. I have since locked my accounts and found several unauthorized items on my credit report, including the aforementioned XXXX XXXX accounts. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), if you can not validate these debts, I request that you instruct all credit reporting agencies to delete these entries from my report. I have included a copy of my government-issued driver 's license, a utility bill, and the IRS Identity Theft Form to support my claim. 

Thank you for your attention to this matter. I hope for a swift resolution so I can move forward with my life. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ
Product: Debt collection

Multiple calls this week. When I called them back they stated they were XXXX XXXX XXXX XXXX. They stated the call would be recorded but never stated this was an attempt to collect a debt. When I refused to provide personal information I was told the information was already on their screen. I told them to tell me what they had and I would either confirm or deny. They did have my address. They then asked for my birth year, again I refused. 

I asked for information about why they were calling, who their client is and was told they could not provide that information. I asked for the information to be sent to me via email and unless they could do that I would not provide any information. The answer I got was they could not send any information on this through the mail. 

The person on the phone had a very thick accent from XXXX. 

The number appearing on the caller ID is XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I was shopping at around XXXX and after I finished my shopping I dropped my wallet which had my bank card, pin, drivers license in it and 2 hours later it was used at my local banks ATM. the person made two transactions of {$500.00} dollars which equal up to {$1000.00} dollars and I tried calling for three hours as soon as I found out and realized that money has been stolen from me. I alerted them telling word by word of what happened then they made a claim for me. Soon enough, they paid my claim with a provisional credit, but today on XX/XX/2020, I was told my claim got denied and they will not cover my claim and the money drafted out my account from my ATM.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) # XXXX, Account name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXXXXXX # XXXX, Account Name : XXXXXXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX BANK # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, Account XXXX : XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX, Account Name : XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have several listed accounts that appear as late when indeed they are not.I requested a investigation into these accounts via US Certified Mail, Tracking # ( XXXX ) I reconfirmed this with an official EXPERIAN credit report twice and both times they verified the accounts as accurate when very clearly it's not as it shows accounts late going from current to 60 days late within a 30 day window, and the error can also be reflected in the pay summary which is attached to this complaint as well. I contacted the company in which Experian is reporting for ( XXXX ) and they verified that they have no contact to this account seeking verification has been made in which means it was never verified by EXPERIAN, this is a flagrant violation in FCRA laws, I've contacted EXPERIAN several times with a 2 year time frame with this complaint of these incorrect accounts statuses and have seen no adjustments. According to law 15 U.S. Code1691i- Procedure in a case of disputed accuracy. If the completeness or accuracy of any item ( s ) of information contained in a consumers 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 ( s ) from the file in accordance to paragraph ( XXXX ) The accounts in question : XXXX # XXXX {$2200.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$1300.00} THESE ACCOUNTS ARE INACCURATE GOING FROM CURRENT TO 60 DAYS LATE IN ( 1 ) MONTH IM WHICH IS IMPOSSIBLE AND ITS Breaking The LAW UNDER FCRA.
Product: Vehicle loan or lease

In XX/XX/XXXX, I tried to get Flex Path Capital ( XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL XXXX ) to voluntary repossess my car but my account manger would not follow up on my request. In XXXX XXXX, I was about to trade the car but I was unable to due to my credit score with the late payments. XXXX XXXX, I mailed a request in writing to get my car repossessed and left voicemails on XXXX phone. The car was eventually towed by my apartment complex after she also spoke with XXXX who thought I just didnt want to pay for that car and he was advised it was stilling for several weeks without tags. I told the complex manager I was trying to get Flex Path to pick up the vehicle, but they never did and the complex towed it. In XXXX of XXXX, i purchased another vehicle and was advised that the loan with flex path was charged off. I sent another letter on XX/XX/XXXX, letting them know I have received emails from the Recovery department and on my credit report the loan is still open. I havent made a payment since XXXX and the loan is still reporting late payment 150+ days late. In XXXX of XXXX, when I received an email to contact this company about a settlement. The discussion for heated because the {$8400.00} thats on my credit was now over {$13000.00}. The original company ( XXXX ), I got my car from owner was indicted on federal charges for fraudulent schemes in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

Hi, these companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Equifax and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.