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

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right XXXX privacy. '' Equifax and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which Is backed by 15 USC 6801 which states '' XXXX is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those ON customers ' nonpublic personal information. '' XXXX is a financial institution by definition under that title, 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Avant the financial institution and the Consumer reporting agencies XXXX and Equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX whether it be verbal, non-verbal, written, implied be otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to. a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S.Code 1681s-2 ( A ) ( 1 ) A states " 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 ST naccurate. 15 U.S.Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX681e of this title and and to to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, These accounts on y credit report aren't accurate. I don't recognize any.
Product: Debt collection

I never received invoices or bills for this debt so I believe it may not be mine. I mailed the debt collector a letter of validation request on XX/XX/2021, however I was not responded back to. The letter included a request for validation and a 30 day time period for validation and that was not met. The account being disputed is says there is a charge of {$760.00} but as I said before I never received the requested validation or bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). This makes my credit transaction suffer because it was harder and longer and so, I would like it to be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Loancare LLC Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a message from XXXX XXXX stated the I inquired about a personal loan. That is not me. My ss # has been compromised and I need this report on file.
Product: Credit reporting or other personal consumer reports

Company has not provided valdiation, verification of ability to collect, the original contract with my signature, or proof of training, they have provided nothing requested
Product: Student loan

Hi! I am writing about the Navient private student loan settlement plan. I took out student loans, from then XXXX XXXX, from XXXX to XXXX, totally roughly $ 70k to attend XXXX XXXX in XXXX, MA. If i recall, these loans had subprime rates at the time. 
Upon graduation, my bill came due to over {$1000.00} per month. Instead of being offered additional payment options, I was often times harassed for being unable to make payments then placed into forbearance, on multiple occasions. After still not being offered resolution upon the forbearance ( s ), the late fees ruined my credit score at the time, and my accounts were placed into collections ; where I was finally offered a reasonable payment agreement and chances to settle. After faithfully paying my agreements for nearly a decade, my current balance ( of the original $ 70k borrowed ) is {$140000.00}. 

Based on my understanding of the settlement, private loan holders will receive relief if : -Loans were to subprime lenders ( i had barely any income and a co-signer, but my score was low and the rates were high!! ) -Loans taken out between XXXX ( I qualify ) -Loans has defaulted 7 consecutive months ( my loans have been in collections for 10 years.
Product: Mortgage

I was put on XXXX  XXXX so I couldn't afford to pay mortgage so I started sending small checks so the amount I was behind would not continue growing in a rate I could not recover from and the mortgage company sent my checks back uncashed so I fell behind 4 payments. When I was able to go back to work at a new job, I resumed paying my mortgage in XXXX and Mr. Cooper refuses to post that money against my mortgage - instead they are putting my money in an unapplied funds account and they have their lawyers trying get judgements against me. I have made a payment in XX/XX/2018 and XX/XX/2018 and they are still claiming I haven't paid anything since XXXX.
Product: Credit reporting or other personal consumer reports

There is an account that belongs to my XXXX  sister on my report I continue to tell them this and they verify they do not have my information in their sustem My sister called them and they are reporting it correctly to her credit report but also to mine This account has my sisters ss # and her name but they wont remove it from my report Im XXXX XXXX XXXX My sister is XXXX XXXX We are XXXX and my mom gave us both the same first name and she has a middle name but I do not
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

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

This account XXXX XXXX XXXX is showing on my credit reports as a closed account which I have no account that I have opened and it shows closed 2 years ago. From reading other complaints similar here on consumer finance I'm requesting to please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2021 an account was disputed for XXXX XXXX XXXX XXXX. The account was removed then reinserted. I did not receive a notification in 5 days of the reinsertion. My consumer rights have been violated. And I've tried to rectify the situation with Experian but they have not remedied the situation. Please assist.
Product: Credit reporting or other personal consumer reports

delete these hard inquirie : XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Please understand that the details in my credit report are inaccurate. It includes name, addresses, employers and inquiries that are not associated with me. I urgently require the removal of this fraudulent information. Given that I have been a victim of such issues in the past, I am taking every possible step to ensure the accuracy of my reported information. Since I have not received a satisfactory response from the institutions responsible for reporting accurate and permissible data, I am now seeking assistance from a higher authority. Kindly expedite the process of removing this erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although XXXX had admitted to not processing my account and closing to for no reason, they continue to give false reports to Experian. They have reported 6 delinquencies during the period in which they did not process my payment ( they admitted to doing this ) and I was trying to get them to fix the problem. It wasn't until I filed a complaint here that they promised to remove those false late payment reports from Experian but have not done so yet. They have removed late fees and late charges for XX/XX/2019 to XX/XX/2019 yet they won't remove the delinquent record from Experian because I made a complaint against them. XXXX is attempting to make me pay for their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove negative accounts are not belong to me. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching the letter my wife and I sent to the credit bureaus back in XX/XX/XXXX. More four months have passed, and we have not heard anything back from them.
Product: Credit reporting or other personal consumer reports

Title : Dispute of Incorrect Charge-Off Reporting and Re-aging Violation by XXXXXXXX XXXX , Incorrect Payment Reporting by XXXX, XXXX, TransUnion. 

Complaint Description : Dear CFPB, I am writing to file a complaint regarding inaccurate reporting on my credit report, specifically related to my XXXX XXXX that is being reported incorrectly by XXXX, XXXX, XXXX.
Product: Consumer Loan

I got a personal loan for XXXX. They are charging me 35 percent apr, plus a XXXX dollar " finance charge ''. They forced me to have insurance on the loan for if I lost my job or had a financial hardship it would pay the payment. I ran into some money trouble, and the finance company refused to let me use insurance to pay payments, putting me almost XXXX payments behind. I caught it back up, but they charged me over XXXX dollars because they turned it over to their attorney " just in case ''. The manager then said if they took me to court that I did n't need to go. As I have been paying my payments, they refuse to give me my balance. On XXXX of my receipts, I saw a balance at the bottom, and the loan officer said that 's not your balance because yours is higher. They literally are marking out the balance on the receipts and saying if I wan na argue about it they will just garnish my wages. From the start, my XXXX dollar loan was over XXXX. Now, they 've added over XXXX for " legal fees '', plus say that it 's 35 % interest a year. I got the loan XX/XX/XXXX, and they say I still owe XXXX dollars at XXXX dollars a month. I ca n't keep paying this loan. I 've already paid it back plus some. Can you please help me and my family?
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE XXXX XXXX AUTH USER OFF THE ACCT SS # XXXX : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCR act ... .the following companies has violated my rights as listed below. 

XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX In ( Acct # XXXX ) The XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX XXXX ( Acct # XXXX ) 15 USC 1681 sec. 602 A states I have the right to privacy. In addition, 15 USC 1681 sec. 604 A sec 2 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting that all accounts and inquiries resulting from the breach be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

The following accounts should be blocked and deleted : 1. 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 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 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 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 XXXXXX/XX/XXXX Please promptly block and delete these accounts and inquiries from my credit report as they were made due to unauthorized access resulting from the data breach. Kindly provide written confirmation once the accounts and inquiries have been removed, along with an updated copy of my credit report.
Product: Debt collection

I noticed my credit score going down and when I checked my credit I realized I had Navy Federal Credit Union Credit Card on my report. This all took place in XXXX and I called them spoke with XXXX and she said she would put in an investigation, I also put in a dispute with all the credit collection agencies and they I just received a letter from them stating it was verified and this is my debt. I know it's not mine and I told them as well. I never opened anything with the Navy, I've never worked with them neither have anyone in the Navy. The address they have or sent the card to I do not know, they have a different phone number, different middle name, plus someone made a payment on the card which isn't me. I am a male, XXXX XXXX XXXX XXXX and they said it was a Ms. ( Female  ) that opened the card. They can track to tell where the funds went and who paid it and they will see I have no connection to this card. Unless this Navy company is a fraudulant company or it's an insider job and they are getting away with fraud. I truly need your assistance to resolve this because it's messing with my credit, which is very upsetting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been having problems with Transunion for some reason. They will not update my report. I have always made my payments on time. Also, I've contacted XXXX XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove this damaging negatives from my profile. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX-Late/Open Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX or XXXX files filled out with XXXX XXXX but I never ever tried anything with them I've been going through fraud these past months I think an ex or somebody had stolen my identity
Product: Mortgage

We contacted our mortgage lender on XX/XX/XXXX with an email requesting PMI removal as per their instructions. We were told processing would take 7-10 days for a third party appraiser to come out and begin process. No response. 

We called the lender on XX/XX/XXXX to check on status and they claimed never receiving the first email. We again emailed the same PMI removal request. They confirmed receipt of email and told us it would be expedited. No response. 

Called the lender in early XXXX and asked about status to then be told the process takes 30-45 days! No response since then. 

Now that the 45 days have passed, we have still not heard from the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is on my report and it does not belong to me it was opened fraudulently in my name. 

XXXX XXXX XXXX XX/XX/13 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XXXX XXXX, XXXX to XXXX XXXX XXXX requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. A XXXX certified letter dated XXXX XXXX, XXXX was sent attempting a last goodwill gesture to contact the credit reporting bureau about the erroneous reporting on their behalf. I also sent a certified letter dated XXXX XXXX, XXXX to Experian requesting the same information and nothing has been done by either XXXX XXXX XXXX or Experian.
Product: Debt collection

Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.
Product: Debt collection

ProCollect , Inc, Amount : { {$660.00} } To Collection Manager : This letter is the second time to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement with my signature and any other supporting document you may have that I have willingly entered into any sort of agreement with ProCollect , INC and if or where I agreed to have business with you or paperwork contracted for myself & ProCollect , INC. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. Unless ProCollect , INC can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested on  XXXX ,  XXXX ,    2016 verification method FCRA, section 611 ( a ) and ( 7 ) letter to  XXXX . never received requested information from  XXXX .  XXXX  is still reporting on inaccurate information on my credit report.
Product: Debt collection

I received notice from PORTFOLIO RECOVERY ASSOCIATES. about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to PORTFOLIO RECOVERY ASSOCIATES on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested. 

Again on XXXX XXXX I sent PORTFOLIO RECOVERY ASSOCIATES another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and one again they never sent it to me. now please keep in mind they I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for Now this is my third attempt reaching out to PORTFOLIO RECOVERY ASSOCIATES on XXXX XXXX for the documentation that i requested months ago asking for VALIDATION and VERIFICATION and once again they haven't sent me the proper documentation that I have been asking for. 

XXXX. Account number - XXXX XXXX. Account number - XXXX XXXX. Account number - # XXXX XXXX. Account number - # XXXX - IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY - ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.