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

Starting XXXX months ago I began receiving emails for an Experian credit monitoring account which is not mine. The emails are coming to an email address I did not register with Experian, addressed to someone else named XXXX. I spent XXXX hours on the phone on Friday just to speak to a human being who assured me the issue was finally resolved. It was NOT. As of today I have received further emails addressed to the wrong person at my email address. If this is not immediately rectified I intend to file a legal claim against Experian for misuse of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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.
Product: Student loan

Navient/XXXX has made it virtually impossible to repay the principal of my loans. I have XXXX loans currently held by this company. I consolidated my federal loans with XXXX in XX/XX/XXXX. Since that time, my loans entered into a period of economic deferment and forebearance. The interest was capitalized and when those periods ended, the loans were repaid on time, every time. I had XXXX issue which led me to call Navient ; I was curious as to why my principal was not decreasing at all. I was told that I was paying late, which was untrue, statements prove it, but was told that if I was not paying XXXX days before the due date the payments were considered late. In addition, when I asked why Navient did not have an amortization schedule ( why was n't a portion of my monthly payment going toward principal and fees/interest ), I was told they always apply the payment to interest and fees first. No exceptions. This is in complete disregard to some of the information on their website. Essentially, in past years I have paid over {$700.00} per month to Navient and was lucky if {$11.00} went toward principal. I will freely share this information if requested. To highlight the problem, I originally got a consolidation loan for over {$37000.00} over XXXX years ago. I have been repaying on time ( excluding economic deferment and forebearance periods ) and yet, after all this time, I now owe over {$38000.00} in principal. This is XXXX of XXXX loans of similar size. I understand that interest gets capitalized, but these numbers seem a bit off and whenever I have called to discuss these matters, I have either been told I need to go into default or just treated like a criminal.
Product: Money transfer, virtual currency, or money service

I was refered to you by your attorney Generals office. On XXXX/22 I sent a certified bank check for {$60000.00} from the pnc bank in XXXX XXXX to the pnc bank at XXXX XXXX XXXX in XXXX XXXX Florida to account # XXXX in the account name XXXX XXXX a XXXX XXXX XXXX. I now know it was a scam as he is in trouble with the authorities in Florida. I am told he wants to return the money to me as he was never able to withdraw the funds in the first place. He can not contact the bank as I am told he is XXXX XXXX XXXX???. I have tried on numerious attempts to see if this is true with PNC bank but they will not give me any information. All I am asking is my money still in the account at PNC bank? so mabey I can get it back or is the account holder not telling the truth. I am a roofer and that is a lot of money to me, if I have a chance to get it back it would be nice?? /, thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this debt with XXXX XXXX XXXX XXXX ( XXXX ) with no resolution. I sent a certified validation letter on XX/XX/18 in regards to this collections being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I received a letter stating that this account number xxxxxxxxxxxxxxxx was sold to XXXX XXXX XXXX ( XXXX ) and the time of the sale the Seller provided an electronic file, a summary of information sent in the electronic file and a bill in the amount of {$5100.00} which does not constitute validation. I sent another certified validation letter on XX/XX/18 and in return they sent the same letter as the first time. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt I Also need to know what information was sent to the credit bureau to validate the XXXX. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the accounts and inquiries listed below are the result of identity theft. 
The fraudulent accounts are as follows : XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Opened : XX/XX/XXXX Amount : {$6900.00} XXXX. XXXX XXXX ( Account Number : XXXX ) Opened : XX/XX/XXXX Amount : {$3300.00} XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Opened : XX/XX/XXXX Amount : {$1400.00} XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Opened : XX/XX/XXXX Amount : {$1400.00} XXXX. XXXX XXXX  ( Account Number : XXXX ) Opened : XX/XX/XXXX Amount : {$3300.00} The fraudulent inquiries are as follows : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX
Product: Credit card or prepaid card

ON XX/XX/2021 I applied for a wells fargo credit card. I am no longer interested in the card due to lengthy customer service process and want to rescind my application. I am not being allow too. They are asking for in person verification and will not send me a full list in writing or email of the applicable documents nor a safe method to provide those documents during a pandemic.
Product: Debt collection

Rent Recovery is a debt collections company that is keep harassing me and damaging my credit with inaccurate inforamtion on my credit file and i have disputed this item on my credit mutilple time to all 3 credit bureau. This company information was removed from my credit file but re inserted back on my credit file which is a violation. They have ruined my life by damaging my credit so i cant obtain employment or get approve for a home or vehicle to help me and my family.
Product: Checking or savings account

I had a official check written out of my Citizens Bank business checking account in a Branch in New Hampshire for the amount of XXXX. Following that they made XXXX consecutive XXXX withdraws form same account at the same branch. They then took the Check they received from the bank teller in New Hampshire to a XXXX XXXX in the XXXX  and cashed the check in an account they set up in my name with a fake PA. drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have spoken to XXXX XXXX XXXX, several times and also Experian, the credit reporting agency who is reporting this inaccurate information on my credit reports. i have sent the XXXX XXXX. XXXX letter for which they have approve of removing this inaccuracy but experian is not cooperating. ( hence attached ) i need help to prove to them the delinquency on the XXXX XXXX XXXX XXXX, ( XXXX XXXX ) is incorrect and that needs to be update to Experian. i would greatly appreciate your prompt attention in this matter. thank you
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 systematic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

In XX/XX/2019, I changed the registration of my vehicle from South Carolina to Georgia. My lender, Nissan Motor Acceptance Corporation, has a policy that requires borrowers to obtain the title through a third party - XXXX. The XXXX XXXX Tax Commissioner would not allow me to obtain the title in that manner. The Tax Commissioner claims that they handle thousands of title changes and the lender always cooperates with their process. The lender will not cooperate with me, and will not even provide a response to the tax commissioner as to that fact. This lender needs to conform its policies to adhere to state and local laws regarding vehicle registration. Additionally, there needs to be resolution as to how many borrowers were able to register their cars by cooperating with the tax commissioner and how many were required to use XXXX. It can not be one way for some people and another way for other people.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, my personal information was used without my consent. I invoke my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these items blocked and deleted from my credit report. 
XXXX Accounts to Block and Delete XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1100.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$6300.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX  - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$5400.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$160.00} XXXX. XXXX. XXXX, XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$930.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1600.00} XXXX. XXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$480.00} Fraudulent Inquiries to Remove XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX
Product: Checking or savings account

I wrote a letter to Chex System inquiring about the duration of reporting a charged off checking account from XXXX in the amount of {$410.00} on XXXX. According to my understanding of the Fair Credit Reporting Act ( FCRA ) and relevant reporting guidline, charge off accounts typically remain on consumer reports for a maximum of five years from the date of account closure or the date of the initial delinquency. I ask that chex system delete this account because of inaccuracy.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX reported me 30 days later for the month of XXXX. I believe I made my XXXX payment on that day as well. My dispute with them is 30 days havent gone by before you reported me being 30 days late for the month of XXXX. I called and a representative from their company agreed I was told to dispute with XXXX credit bureau. Ive done this twice and they didnt agree and havent removed the 30 day late payment. I need this removed immediately 1 because it isnt true and 2 because it dropped my score XXXX points. I hope you can help me. 

Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX, Account # XXXX has violated my rights 15 U.S.C 1681 Section 602 A State I have the right to privacy 15 U.S.C Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX XXXX woman living by myself with a XXXX XXXX XXXXXXXX and I was deeply and intensely, coerced into these illegal actions that included a wire transfer by a bank that I have absolutely no association or accounts with whatsoever in the amount of {$20000.00}. My XXXX benefits and XXXX benefits and coverage have been, locked blocked and, compromised as a result of this incredibly deep fraudulent activity. I was sent XXXX separate credit cards NOT at all issued in my name. I was sent in my name a debit card from XXXX Bank who I also have no association and accounts with whatsoever and this individual, this perpetrator was putting money INTO this debit card for me. I was. deeply and intensely coerced to make XXXX, XXXX, XXXX, and XXXX XXXX through and with a XXXX ATM machine. I was coerced to lie to my bank. And, this bank XXXX XXXX XXXX XXXX XXXX XXXX California has been ... harassing me with emails ... supposedly from the CEO of the bank but when I XXXX the CEO of XXXX XXXX Bank and the XXXX XXXX California, XXXX completely different individuals and, names of individuals came up in my search ... not at all the name of the " person '' the " CEO '' of this, " bank '' " banc ''
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 Account number:XXXX Account name : XXXX  XXXX Account number:XXXX has violated my rights. Or list of inquiries 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: Mortgage

Champion Mortgage Insurance Dept XXXX. XXXX XXXX XXXX XXXX, TX. XXXXXX/XX/XXXX COMPANY OBTAINED INSURANCE POLICY FOR ME WITHOUT MY INSTRUCTION TO DO SO. 
My condo insurance master policy covers my insurance requirements and our insurance agency faxed the insurance policy information to Champion on 3 dates last time was XXXX. 

they are charging my account {$690.00} for a policy they obtained and if not paid I would be in default.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Against US Department of Education for Unauthorized Reporting of Late Payments on Student Loans To Whom It May Concern, This complaint is filed regarding the unlawful reporting practices by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my TransUnion credit report. My student loan account, which is currently in a documented deferment status, has been improperly reported as having late payments from XX/XX/XXXX to XX/XX/XXXX. 
Nature of the Complaint Inaccurate Reporting and Privacy Violation Under 15 USC 1681b, I retain the right to privacy regarding my personal financial information. Reporting inaccurate late payments during a deferment period violates this right.

Violation of Consumer Protection Laws Reporting these accounts as late without permissible purpose breaches 15 USC 1681s-2, which mandates accuracy in furnishing credit data to third parties. 
Aggravated Identity Theft and Defamation The unauthorized reporting of my student loan account has caused significant emotional distress and damage to my reputation. Under 18 USC 1028A, this act constitutes aggravated identity theft through the unauthorized use of my information. 
Willful Noncompliance Under 15 USC 1681n, the US Department of Education has shown willful noncompliance by knowingly reporting my account as late during deferment. 
Account Information Creditor Name : XXXX Account XXXX : XXXX High Balance : {$10000.00} Reported Late Payments : XX/XX/XXXX to XX/XX/XXXX Balance Owed : {$0.00} Account Status : Transferred, Closed Account Type : Educational Loan Evidence of Errors Documented Deferment Status My student loan was in deferment during the period of XX/XX/XXXX to XX/XX/XXXX. Reporting late payments during this time is a direct violation of FCRA guidelines. 
Documentation Attached I have included a copy of my deferment documentation, credit report, government-issued ID, Social Security card , and proof of address to validate my claims.

Requested Resolution I request that TransUnion immediately remove the inaccurate late payments from my credit report for the period of XX/XX/XXXX to XX/XX/XXXX. I expect written confirmation of the correction within 10 calendar days from receipt of this complaint. Failure to resolve this matter will result in further action to protect my rights under the FCRA. 
Attachments : Deferment documentation Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I XXXX XXXX never enter into any consumer credit transaction with CAPIO for them to have obtain my personal information. Pursuant 15 usc 1692 ( a ) this infringement upon my consumer 's right to privacy. By CAPIO obtaining my personal information without my consent CAPIO have committed fraud and identity thief. Furnishing this allege debt to my consumer report CAPIO have damaged my reputation pursuant to 15 usc 1692 ( d ). Now I can't do business with anybody else due to the allege debt CAPIO reporting to my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am very upset with Experian. At this point I have a valid reason to file a lawsuit for incorrect reporting on my credit report. As of XX/XX/2022, Experian has intentionally changed the status of 15 XXXX XXXX XXXX XXXX  accounts in which I paid on time every month. Not just one loan account but 15 XXXX XXXX XXXX XXXX accounts. I paid the accounts on time every month. I just noticed Experian changed all my loan accounts that were paid on time and paid off accounts to charge off accounts in XX/XX/2022. I am not sure what representation has been working in my credit file but this a serious issue. This is resulting in a negative matter and it's hurting my credit file. I spoke with an attorney on today, he suggested I reach out to Experian to allow them to fix the mistake. I am giving Experian 72 hours to fix this mess they created. XXXX XXXX XXXX XXXX have reported those 15 loan accounts on time as they should. Experian took it upon themselves to mess up the reporting of those accounts. I have listed the account number below : XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct.no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct.no XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX *Experian is responsible for this mess up and I want it fixed immediately. All of these loans were paid as agreed and on time and XXXX XXXX XXXX XXXX reported these accounts to Experian with a perfect payment history and Experian took it upon themselves to ruin my credit history by changing all account to charge off accounts. These accounts were not charged off, they were paid on time and in full. Please fix what you messed up immediately.
Product: Credit reporting or other personal consumer reports

Equifax has an error that pops up calls blnk and I will not provide me any information about my credit. The company has asked me to fax over a picture of my social and my id which is very concerning. The first time I did it I have called and was told they have no answers to where the fax went after me confirming I had the right fax number. I did it a second time and the same outcome I am very concerned that my information is out in the world some where and Equifax plays a big part in that, also my issues are still not fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card and got denied. I was not told the reasn why i got denied, I went home and decided to get a copy of my credit report in XXXX XXXX and I saw various items that had been open. these items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report.