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

Dear NAVIENT, I am writing to formally address a serious violation concerning the unauthorized reporting of information to my credit report. This issue is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the Texas Finance Code under Sections 392.301 and 392.305, and identity theft laws as outlined in the Texas Penal Code Section 32.51.

It has come to my attention that NAVIENT has engaged in unauthorized reporting to my credit report without my explicit consent. Under federal law, specifically the FCRA, consumer consent is a mandatory requirement for any credit reporting activities, as stated in Section 1681b ( a ) ( 2 ).

Moreover, Texas state law reinforces this requirement. Section 392.301 of the Texas Finance Code clearly states that consumer consent is necessary for credit reporting. Additionally, Section 392.305 provides guidelines for the fair reporting of consumer credit information. The identity theft laws, particularly Texas Penal Code Section 32.51, highlight the seriousness of unauthorized access and misuse of personal information. 

I unequivocally assert that I have not granted consent for NAVIENT to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and showing a blatant disregard for both federal and state laws. 

I demand that NAVIENT immediately cease any further reporting of information to my credit report without my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Should you fail to comply within the next 30 days, I will consider this willful noncompliance, which may result in penalties under applicable laws, including those related to identity theft. 

It is imperative to understand that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA, Texas state law, and identity theft laws. This is not a negotiation ; it is a demand for adherence to both federal and state regulations designed to protect consumers like myself from unauthorized and harmful credit reporting. 

I expect your immediate attention to this matter and anticipate that NAVIENT will rectify these violations promptly, respecting my rights under federal and state laws. 
Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a written dispute letter to XXXX to have them verify any debt they claim I owe. Letter was submitted XX/XX/2023, I was told to give them 30 days and it has been 31 days and I havent received a response! I talk to a XXXX name XXXX, she didnt want to provide last name and the number she uses is # XXXX saying I need to write another letter and allow 30 days for response! I requested her to remove the inaccurate information from my report but she states she cant do that only the XXXX team and they only work through email and po box not a live person! This information has been on my report for a couple of months now and they are not removing this information!
Product: Credit reporting or other personal consumer reports

Im unsure of whats going on. I have sent multiple letters to the credit bureaus, but have not received any response. My name is XXXX XXXX, and I am filing this complaint due to the false reporting of misleading information. There is no third party involved. Please review the attached letters.
Product: Credit reporting or other personal consumer reports

Upon reviewing my three credit reports recently, I observed that XXXX and Equifax are still indicating a collection account that I have no recollection of applying for. Fortunately, XXXX has addressed this issue and removed the collection from my credit report. After contacting XXXX and Equifax I was met with push-back even though I expressed the collection in question did not belong to me.
Product: Debt collection

I am not responsible or liable for this debt with AMEX, I don't have a contract with them, they did not provide the original contract as I have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. I have been disputing with both XXXX & TransUnion for nearly a year, and both companies are violating my Fair Credit Reporting Act Consumer Rights on multiple accounts. I have also listed multiple sections of 15 USC 1681 in which the directly violate. XXXX of the most recent dates that disputes were opened are XX/XX/2023. XX/XX/2023 approximately. I have mailed in dispute letters for nearly a year now, as well as called and personally spoken with representatives from both XXXX and TransUnion, and still have not had favorable results. I have explained to them they are violating my consumer rights, but choose to ignore my grievances. 

They do/did not have Permissible Purpose to report these accounts, they illegally reporting TRANSACTIONS & EXPERIENCES on my consumer report, they are failing to reporting maximum possible accuracy due to the fact these accounts are tied to multiple address I was never associated with. 

XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX BANK Account # XXXX XXXX5 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates.

I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have been very patient with them and trying to dispute with them in a respectful manner, but I have gotten nowhere with them. I know believe it's in my best interest the CFPB steps in and helps me resolve this matter.

I have attached my most recent dispute letter.
Product: Credit reporting

My identity was stolen in early 2000 's. I have an open case with the department of justice and they have arrested the woman that opened accounts in my name. I have filled out an FTC Fraud affidavit and sent it to the credit bureaus however they have not done their jobs and removed XXXX items. 1. XXXX BANK 2. XXXX XXXX Feel like TransUnion is leaving these accounts on the credit report so they can make more money off of the negative reporting. This is not only wrong but very unethical and illegal. 
I have sent XXXX letters certified and the accounts are still showing. Attached are my documents and letters I have sent the credit bureaus. Please investigate and fine this company for violating my federal rights.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description, but someone may still be able to identify me. I consent to publishing this description after the CFPB has taken these steps.
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 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX {$710.00} and 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: Money transfer, virtual currency, or money service

On XX/XX/22 someone posing as someone else ( hacked XXXX account ) scammed me into sending money via zelle to pay shipping on a XXXX gift. I have reported to zelle and my financial institution.
Product: Credit reporting or other personal consumer reports

Recently I viewed a copy of my report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I am requesting an investigation. 

Account XXXX : XXXX XXXX XXXX XXXX Account # : XXXX
Product: Debt collection

I have a derogatory account in my credit report that is not mine.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

My target account is showing a charge off balance of XXXX. This is incorrect. The balance was paid in full and the company agreed to change the status to closed/paid in full.
Product: Mortgage

Regarding reversed mortgage with PHH Mortgage - loan number XXXX I am a surviving spouse of my husband, XXXX XXXX XXXX, who passed away on XX/XX/XXXX. My husband had a reversed mortgage as of XXXX. I did not have the age to qualify, had to sign quit claim deed. ( am not on the deed now ). I was identified and qualified as the Non Borrowing Spouse by the previous mortgage co. XXXX Mortgage. All my information was uploaded to XXXX for final determination on XX/XX/XXXX. I called many times for an update, no red flags, everything was okay. Then mortgage was sold in the last couple of months to XXXX XXXX who sold it again to PHH Mortgage. PHH send me a letter that I do not qualify for the XXXX program, since loan is considered 'unassignable due to assignments of mortgage unable to be corrected. ' When I ask them about it, that I want to know what it means ( in writing ) and who made this determination, they say they can not discuss the loan with me, since I am not on the mortgage. At the same time they want to foreclose. I have been living in this house for 20 years, always could discuss loan with previous mortgage co. ( XXXXXXXX XXXX  ) pay property tax, renewed home owners insurance and flood insurance ( both with my name on it ) fulfilled all requirements to stay in the house but now they want me out, without discussing it. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit card or prepaid card

I am showing a credit on my Paypal credit account in excess of XXXX dollars and PayPal is in possession of my funds and has instituted a 2 week hold on my usable funds for no valid reason. This is illegal.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Vehicle loan or lease

Capital One was notified of hardship due to Covid 19 pandemic when asked to defer payments this was denied. Complaint made with CFPB regarding this on XXXX this was no help. Today XXXX reached out again to make arrangements was told by customer service that his manager gave permission for 2 payments to be deferred but a regular payment was needed. Not only did we do regular payment of XXXX but an extra XXXX was paid once this was paid they said they couldnt defer the 2 payments. This conversation per recording and customer service rep was being recorded and my husband was also part of this conversation. We were told there was nothing they could do for us other then a month. Was then transferred to a different department an account specialist they too said it was a company guideline. So again we were taken advantage of. We tried making arrangements as well as as given XXXX plus dollars that during this time is difficult to do and to be told they would help and deceived of to get money is unacceptable. Something needs to be done!!!! Acct number for our loan is XXXX
Product: Debt collection

This company has violated HIPPA law and showed debt on my credit report as XXXX XXXX XXXX XXXX XXXX XXXX  Agreed to write off this balance because the XXXX did not work no fault of my own. Also I had two dental insurance companies and the XXXX office indicated the account was paid in full after I paid a few XXXX The account is not owed and needs to be removed ASAP
Product: Credit reporting

i was a victim of identity theft and continue to dispute my report and there refusing to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that a computer glitches with Wells Fargos software resulted in Wells Fargo mistakenly foreclosing on hundreds of homes over an eight year period ( ref XXXX XXXX XXXX ). During the time period in question I had submitted multiple modification requests that either had not resulted in a modification that would have provided relief during my time of crisis ( ref XX/XX/XXXX MOD Request ) or was simply denied ( ref XX/XX/XXXX XXXX & XX/XX/XXXX appeal ). Its been my argument that I was never provided a fair mortgage relief through a loan MOD, which was supposed to be available to me through my XXXX loan, but was removed as an option at a time when it was most needed. Never the less hardship MOD requests were submitted with unjust outcomes causing failure in maintaining home ownership of the property known as XXXX XXXX XXXX, XXXX Fl, XXXX. With the unfortunate and now predictable demise of Wells Fargos destructive XXXX loan that myself along with millions of other predatory lending victims were subjected to, ( XXXX XXXX XXXX ) the cost impact of such a toxic loan to this day keeps on eating away at its victims financial means in so many different ways. For me know its trying to get on with my life back in order by obtaining a non-destructive home loan at an interest rate that is not 4 points higher than the market demands and being subjected to mandatory PMI that altogether equates to {$400.00} to {$500.00} more a month than what I should be paying had I not ever been duped into such a deceptive loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/1976 SS # : XXXX To Whom It May Concern : I am sending this request to investigate the inaccurate information on my credit reports. I have attached a screenshot of the account, and the inaccuracies are circled. The Date of Last Activity reported has 3 different dates reported with XXXX, XXXX, and Equifax. ( Please see Image Attached on 2nd Page ). How am I to know which bureau is actually reporting correctly? Due to these inaccuracies, this account is not FCRA Compliant, and there are other inaccuracies that are not exposed in this letter that would deem this account in violation of the FCRA. In resolving this matter I am requesting that this account be deleted ASAP. I also request that you please send notices of corrections to anyone who received my credit report in the past six months These are all inconsistent over Equifax, XXXX, XXXX. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part. I am politely asking that you delete it from my profile, and I believe 20 days is more than enough time for this to happen. Thanks in advance 1. Incorrect Information XXXX XXXX Account Number : XXXX Delete it from my credit report immediately 2.Incorrect Information XXXX XXXX XXXX XXXX Account Number : XXXX Delete it from my credit report immediately 3.Incorrect Information XXXX XXXX Account Number : XXXX Delete account immediately The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted equifax credit reporting multiple times they have me locked out of my own account and have not fixed the problem it has been weeks now! And still I am not able to access my account and report on their online site. The last explanation I got from them was they didnt know why. They were working on fixing the problem they called a technical glitch that only applied to my account.
Product: Credit card or prepaid card

Chase incorrectly rebilled a charge for {$4000.00} back onto my account. I submitted a complaint. They responded to me and told me they were looking into it. In the interim, they 've charged me a late fee and over {$150.00} in interest. It 's been a week and a half since I was told they were looking into the issue and I have left several voicemails and send several emails to the person at the Chase Executive Office who  contacted me, and have not heard back at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report in XXXX XXXX, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPT OF ED/XXXX  XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$30000.00} DEPT OF ED/XXXX  XXXX Balance : - DEPT OF ED/XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX Balance : -
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX, XXXX. on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$4400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, Transunion and XX/XX/XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter and can't move on in life with these negative items reporting..