23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Experian ( XXXX. XXXX  XXXX XXXX, TX XXXX ) is reporting information on my credit report without my consent or acknowledgment this and a few other infromation need to be removed from XXXX XXXX credit report XXXX XXXX  {$2500.00} Closed 2 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Rental Agreement Balance on XX/XX/XXXX Loan Amount {$2500.00} {$3700.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount - Original loan amount {$3700.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 60 90 120 120 CO CO - - - - XXXX - - On Time CO Charge off XXXX Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 30 Months Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Account, 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
Product: Payday loan, title loan, or personal loan

Explained to the company someone did a XXXX XXXX XXXX  which a police report was made and they told me they would take care of it and never did. XXXX In the repossession department told me XXXXXXXX XXXX has full coverage but never adjusted the claim or refunded me for the last over paid loan on the XXXX XXXX
Product: Credit card or prepaid card

Bank of America Merrill Lynch sharing transaction history and statements from credit card with family members despite repeated requests to stop doing this. Family members are not signatories to the credit card or authorized users.
Product: Debt collection

Im logging in to my credit monitoring an revealed I collection that I dont have no acknowledgment of an never had or open in my entire life
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX - account number XXXX opened XX/XX/XXXX -- -- reported late in XXXX of XXXX - never been late SYNC/Sams - account number XXXX opened XX/XX/XXXX -- -- reported late XX/XX/XXXX XXXX, XXXX and XXXX of XXXX - never been late XXXX XXXX - account number XXXX opened XX/XX/XXXX -- -- reported late XX/XX/XXXX - never been late XXXX - account number XXXX opened XX/XX/XXXX -- -- this is not my account XXXX - account number XXXX opened XX/XX/XXXX -- -- this is not my account 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. 
US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.
Product: Credit reporting or other personal consumer reports

This is to express my profound frustration and disappointment regarding the unresolved issues of late open accounts and late closed accounts on my credit report. Despite my previous XXXX attempts to rectify these inaccuracies, these errors persist and continue to adversely affect my creditworthiness. This letter serves as my seventh formal request for the correction and removal of these erroneous entries. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate and free from errors. The persistent presence of these late open and late closed accounts is a clear violation of the FCRA, and it continues to impact my ability to access credit, secure loans, and make important financial decisions. It is imperative that you correct these inaccuracies and update my credit report accordingly without further delay. Additionally, I expect your agency to notify all the credit reporting agencies to which you have provided this erroneous information, as required by law, to ensure these inaccuracies are not further disseminated. Please help me to correct or remove these accounts immediately : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$160000.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the late open account must be corrected. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This late closed will need to be removed pronto. 

XXXX XXXX XXXX XXXX Balance : {$0.00} Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this late closed account to be removed NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a home. I had a complete name change legally. I updated that with all three credit bureaus. For some reason XXXX  different mortgage lenders have been unable to get a credit score or report from Experian. From mid XX/XX/2022 up until today XX/XX/2022 I have spoken with XXXX different agents at experian who have assured me that my name is updated and XXXX should be no reason why the lender shouldnt be able to obtain and score/report for me under my new name. This is unacceptable, frustrating, and has help up my family being able to get a home. Its despicable that this agency has continuously given me false information and still no resolve!
Product: Payday loan, title loan, or personal loan

Company keeps putting hard inquiries on my report every month. I have fell under hardship due to pandemic. My last payment was XXXX XXXX. I do owe XXXX out of XXXX loan. I think the constant hard inquiries are uncalled for and illegal. They are purposely ruining peoples credit
Product: Checking or savings account

I have a Bank Ozk checking account. Per my understanding, Overdraft Protection is an opt in feature. During account opening, I said no to Overdraft Protection. Yet, the bank opted me in Bounce Proof and informed me by letter mail. Bounce Proof seems to be Overdraft Protection but with a different name. I visited the bank and asked a personal banker to remove the Bounce Proof feature. He suggested I keep the feature, and after a few mins, I insisted on removing the feature from my account. I believe I should not need to opt out of a feature by either calling customer service or visit a branch just because Bank Ozk signed me up for it automatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning I have tried to dispute this account with XXXX XXXX and all credit bureaus. This account still show as potentially negative when its false. I have to been a customer for XXXX XXXX   since 2016. The account was paid in full since then. All the credit bureaus and the company have refused to take this off my credit. I need someone to enforce this people to stop and remove this negative false account. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining  regarding some of the hard inquiries on my account I dont recognize some of them I will list them XXXX XXXXXXXX XXXXSharmaXXXX/XXXX XXXXXXXXXXXX XXXXXXXX XXXXI have tried to get these removed but no one is responding to me if u could help that would be great Thank you
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 XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602a STATES, I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604a 2, ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 1692d- HARASSMENT OR ABUSE ( 2 ) THE USE OF OBSCENE OR PROFANE LANGUAGE OR THE NATURAL CONSEQUENCES OF WHICH IS TO ABUSE THE HEARER OR READER, ( CAUSING XXXX XXXX ) 15 USC 1692b. ACQUISITION OF LOCATION INFORMATION, ANY DEBT COLLECTOR COMMUNICATING WITH ANY PERSON OTHER THAN THE CONSUMER SHALL- ( 2 ) NOT STATE THAT SUCH CONSUMER OWES ANY DEBT. TITLE 15- COMMERCE AND TRADE CHAPTER 94 - PRIVACY SUBCHAPTER I- DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION SEC. 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION 15 USC 1635 ( a ) DISCLOSURE OF OBLIGOR 'S RIGHT TO RESCIND, AND ( b ) RETURN OF MONEY OR PROPERTY FOLLOWING RESCISSION.
Product: Consumer Loan

I recent purchased a car from XXXX toyota and gave my permission to have my credit ran ONCE on XXXX/XXXX/2015. This report came back on XXXX to be a XXXX. Since my application was approved by credit has been ran a total of XXXX other times since without my permission. this has significantly brought down my credit score due to hard inquires which were made fraudulently and without my permission, I would like these hard inquires removed from my XXXX. Since XXXX/XXXX/15 due to these other fraudulent inquires my credit score has when from XXXX to XXXX. Please look into this asap. Attach is the document to show the XXXX report i gave permission at the deal and the other attachment i the hard inquires i did not approve. please feel free to contact me directly. XXXX XXXX XXXX or XXXXXXXXXXXX refer to Case number : XXXX ( this is closed because i didnt reply back in time ) i have reached out the credit bureau but have had no resolution. and want my credit corrected and these hard inquires removed.
Product: Credit card or prepaid card

When attempting to make a payment due XX/XX/2018, HSBC blocked my online account therefore was not able to get the address to send the payment to and was not able to make the payment online. I attempted to find the company address online and blindly sent in a check but they returned the check without forwarding it to the correct address. I also attempted to make a payment through their online payment system which would not accept my payment because they said it was past due. After hours of phone calls to numbers that I found online was was finally able to find an address to send a payment to and made the payment. 

HSBC made it near impossible for me to send in my payment timely and I have a missed payment on my credit report due to their bullying tactics. I will not dispute the late payment fee but would like the late payment removed from my credit report.
Product: Mortgage

In 2014 I submitted a complaint ( # XXXX ) against SunTrust and for a long time I did n't see the response. 
When I did finally see the response, I wanted to dispute it. When I call the CFPB they told me I would have to submit another complaint. Since the original complaint I was made aware that the type of loan I was originally given was made illegal years later. This was due to the misleading information on the loan details. The option payments cause a negative amortization with no deduction in the balance.. Plus the payments fluctuate monthly. I have been paying this loan for over 16 years now and have not been able to make a dent in it. I asked for a modification of which they only allowed it for 3 years on a year to year basis. Now SunTrust will not allow me any other modifications. This loan has done nothing but cause me heartache as it is difficult for me to make the payments. Please advise. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX.
Product: Debt collection

I have contacted Resident Collect and informed them the amount they are reporting is not correct if any balance is owed. I informed Resident Collect that I spoke with Leasing Agent at XXXX and they were not able to verify any balance owed as my name did not show in their database. I also informed Resident Collect that the documents they have sent me are fabricated. In a previous request to Resident Collect requesting they verify the balance and update my credit report. I also informed Resident Collect of payments I made directly to the creditor and thst my deposit was not showong on the paperwork I recrived. Resident Collect then sends me documents that show the deposit amount on lease was {$10.00} with initials that do not match the initials at bottom of page and they also included a document that indicated a deposit in amount of {$510.00} was the deposit amount received from me. On XX/XX/2016 I received the same documents from Resident Collect this time the the amount of deposit on lease shows nothing the initials were gone andthere was nothing listed where the {$10.00} was previous also the line is removed. On the same document previously sent does not show the security deposit but current amount owed but that is all no description. I informed Resident Collect of the falsified documents received but they still did not verify or correct the issue.
Product: Credit reporting or other personal consumer reports

The issue is causing me significant distress and XXXX  to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is trying to collect on Student loans after XXXX and XXXX XXXX has been granted. I continue to receive harassment by phone calls. I believe that this violates the Consumer Financial Protection Bureau settlement with XXXX. 

Notification to the lenders was provided in XX/XX/XXXX by my Veterans Attorney with a copy of the XXXX determination by a Federal Judge. 

I am XXXX XXXX and receive only Social Security XXXX Benefits and VA Healthcare. 

Accounts with inaccurate reporting are : XXXX reported as late XX/XX/XXXX-XX/XX/XXXX balance {$5900.00} XXXX reported as late XX/XX/XXXX-XX/XX/XXXX balance {$2900.00}
Product: Credit reporting or other personal consumer reports

Correct address for Lexington law class action sue name at time XXXX XXXX XX/XX/year> contract information XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX. I have all documents needed to verify that I used Lexington Law firm for credit repair.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is with XXXX XXXX XXXX XXXX and it shows that I was late in XX/XX/2017. My loan was actually in deferment. I recently checked my credit due to wanting to purchase a home in the near future and discovered this negative remark on my report. This negative remark lowered my XXXX score by more than XXXX points.
Product: Student loan

Took me off automatic billing so that interest would build up and they would be payed more in the end. They should not stop auto pay unless I ask them too!
Product: Credit reporting or other personal consumer reports

I applied for a credit card and got deneied for credit card, and notice several accounts that were opened in my name.
Product: Debt collection

I received a notice from source receivables regarding a debt from 2020. I dont remember owning any XXXX and I request a debt validation. Attached is official dispute letter requesting documentation XXXX XXXX XXXX $ XXXX states I have the right to dispute inaccuracy on my credit report. If inaccuracy is found, the credit bureaus must remove inaccurate item on credit file. 
Under the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. 
XXXX ) Consumer may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after the harmful behavior or within five years after the harmful behavior occurs.
Product: Vehicle loan or lease

I was pressured into a car that I initially did not want with Santander and then told that I could refinance after 6 months. That wasnt the case. I called to see about options due to hardship there were not any options besides placing payment to end of the loan. Car was sold and written off as bad debt/ charge off after they took 3 months to come pick the car up causing more fees on the bill
Product: Student loan

Attended the XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX. Received both federal and private loans. Loans originated from Sallie Mae but are now serviced by Navient.

My federal loans will be forgiven under Borrower Defense to Repayment under the XXXX XXXX XXXX settlement. The Department of Education has admitted that fraud exist, along with countless lawsuits from State Attorney Generals, and the Department of Justice investigations/lawsuit into XXXX, who was the parent company of XXXX at the time I attended school. The DOJ investigation found that XXXX had a boiler-room style sales culture in which recruiters were instructed to use high-pressure sales techniques and inflated claims about career placement to increase student enrollment, regardless of the applicants qualifications. 

These loans were the direct result of fraud, misrepresentation and deceit including, but not limited to, false claims about career placement, false claims regarding job placement statistics, predatory and high-pressure sales tactics, misrepresentations about the cost of a degree, and misrepresentations about the value of a degree from the XXXX XXXX XXXX XXXX. 

Navient is obligated to cancel these private student loan because of the Holder Rule, which makes all current " holders '' of an initial loan responsible for any fraudulent misrepresentations made in the selling of the product. The FTC has stated that student loans are within the scope of the Holder Rule. The Department of Education also has regulations applying principles similar to the Holder Rule to many federal student loans. For private loans, the borrower may be able to cancel existing debt if a school fraudulently induced the student to enroll and had some relationship with the lender. It's important to note, that XXXX was the guarantor for one of my private loans at this college. 

The CFPB also found that lenders are misleading some borrowers and keeping them in repayment for debt they do not owe. The CFPB found that lenders ignored consumers claims that the FTC XXXX XXXX allow private borrowers to bring a claim against their school to their lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report has over 40 plus inquiries that I am not responsible for
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX DOB- XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ny XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXXXXXXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USD that equal XXXX XXXX from my Cash App account to fraudulent investment firm