23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Viking Client Services , LLC XXXX XXXX XXXX XXXX, MN XXXX illegally contacted my employer and my insurance company to try and recover funds for rental car damages. I rented the vehicle from XXXX on XX/XX/XXXX to XX/XX/XXXX. I was hit by an uninsured motorist on XX/XX/XXXX. They contacted my employer after they seen my discount code on the rental agreement. I contacted Viking via phone and inquired why they contacted my employer without first contacting me. I got three different answers from their employees. One said my private insurance company told them to contact my employer, the other supervisor said XXXX gave them permission and the final supervisor over the whole department stated that no one gave them permission to contact my employer. All of this transpired after I told them a few days before that i was claiming the damages with my credit card company and my private insurance company but to no avail they violated my right any ways. If this wasn't enough damage to my reputation they proceed to over charge me on the damages and have not provided the proper documentation for the loss of use for the rental vehicle, and administrative fee and a diminished value fee that I have requested for and now I am requesting proof of these fees again. However they did provide mr a copy of the XXXX Preferred Rental Terms and conditions of which this is the first time I am seeing it of all the time I have rented with XXXX for the past 5 years. Additionally in the packet they sent me additional pictures of damages on the right side of the vehicle of which was not there when the vehicle was in my possession. I also requested a copy of the voice recording of which i was referred to their compliance officer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists
Product: Debt collection

Medicare paid for XXXX % and Medicaid paid the other XXXX % and they are billing my for XXXX and I was told it would be removed since I faxed them proof. They are commiting medicare fraud
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Experian has failed to fulfill its obligation under the Fair Credit Report 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 systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate correction action to remove or amend disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my SIXTH WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your fifth re-investigation, you stated in writing that you verified that these items are being report correctly. 
Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these account? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 
Blacks Law Dictionary, 9th Edition as, XXXX, defines Verify as 1 ) To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. and verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure is to assure good faith in averments or statements of a party. 
What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. 
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 
You have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Proof of Verification 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  talked to credit bureau XX/XX/XXXX talked to credit bureau XX/XX/XXXX escalated issue with TransUnion XXXX XXXX XXXX  representative hung up on me. 

My date of birth is showing up as two different dates and TransUnion said I have two different accounts that need merged. 

I confirmed/verified my DOB and they said they would correct the issue. 

I'm filing bankruptcy right now and the court needs my Trans Union credit report. 

I have no access to my credit report nor services such as freezing or unfreezing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit was pulled without authorization on the following : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was in contract with XXXX in XX/XX/XXXX. Their report is the most accurate. Currently, XX/XX/XXXX when purchasing Experian {$39.00} credit report I discovered the following : 1 ) Experian 's reporting misinformation of XXXX current late payments. I do not have any late payments. 2 ) In addition has duplicate creditors reporting the same debts. 3 ). And restarting the date of debt as of XX/XX/XXXX, that was previously deleted or resolved and due to fall off the report in XX/XX/XXXX. XXXX XXXX XXXX is an example. 
Secondly to print an Experian credit report the consumer has to download Adobe software. A XXXX that links to the consumers computer. The Adobe software is an internet download, which we all know is risky. In addition, Adobe is upselling product with a very confusing format. The process predigests consumers who do not wish to install an internet product and who do not have the most updated computers that are compatible with this function. I own a XX/XX/XXXX XXXX and still was unable to print the report ( even with the download ). After several calls to customer service it 's unresolved. Please contact me for the member id number as I want to submit a copy of the report for your review.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX, and.I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX ) Account Number : XXXX Reason : Unverified account
Product: Credit reporting or other personal consumer reports

JPMCB CARD fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). JPMCB CARD is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX  by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Payday loan, title loan, or personal loan

I was told I was approved for a {$8000.00} loan and the guy name XXXX told me I had to get my account balance up before they could deposit the loan so at he XXXX me do was go the a store and purchase XXXX XXXX gift cards to get my availability balance up. Never thought it was a scam bc he knew all my information already
Product: Credit reporting or other personal consumer reports

I'm filing this complaint personally. Upon examining my credit record, I found late payments listed. I sent inquiries over 30 days ago but have received no response or adequate validation. I'm seeking your help to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with customer service on multiple occasions to get validation of inquires that have been placed on my report. I have also attempted to contact some of the companies that are listed on my report as inquires but have had no success. The customer service reps have been unhelpful in assisting me in removing duplicate old outdated and inaccurate inquires and constantly transferring me to multiple representatives resulting in no correction. Please validate the inquires listed on my credit report or remove them within 30 days as some sure have been added in error or without authorization.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I have notice that several accounts are being reported inaccurately on my credit report. This is not a third party filing this complaint. This is me. Due to these inaccurate reporting ls I have been denied lines of and I have been denied for a refinance on my home. Please correct these inaccurate reportings immediately. Best regards.
Product: Credit reporting or other personal consumer reports

I opted out of any all that I verbally, non verbally, written non written complied to knowingly or unknowingly. My personal information is being verified and per the Privacy Act of 1974, my information can not be used. I've been denied an extension of my credit because of the breach. 
Per the Equal Credit Opportunity Act, I can not be discriminated against. 
Experian continuously has information on my report that has been reported as not right. For the past 2 years I have been dealing with false information on my report with them.
Product: Credit card or prepaid card

Hello, I feel very strongly that my Complaint fall under Sperry and Hutchison Ruling. My problem started in XX/XX/2018. However, I did not look at my Statement for a Year, which, when I did, I then notice 2 APR..1 for 13.24 % and another for 14.99 %. I called Chase Customer Services ... I ask why am I Paying 2 APR, they informed me that The Part Of The Credit Card Company had been Sold/Brought Out. And I was gon na be paying the Amount owed on the Original Purchases and a new APR on all new Purchases. I told them this was Immoral and very Unethical, as I had not asked for a Credit Increase Or A Second Card, because the 2 APR was equivalent to 2 Credit Cards. I called 3 times abt this matter. I was upset at what happened to me, but I did not think I had any recourse but to accept what had been done. Then about a Month ago I heard some one talking about Federal Trade Commission and for the first time I felt I had the opportunity to see justice done or at the very least to address my concern and see justice applied.

I appreciate that you will do a through, Just and Fair Investigation into my Claim against JP Morgan/Chase Bank Credit Card..Chase Freedom. 
I look forward to hearing from you regarding my Complaint. You may reach me XXXX if you should have any questions. 
Respectfully Yours, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attachments. Per FCRA regulations, please delete the fraudulent XXXX XXXX XXXX account from my credit report. My identity has been compromised and is being used to adversely affect my credit profile. TRANSUNION has been negligent in their efforts to address this matter. PLEASE COMPLY WITH FCRA REGULATIONS AND DELETE THIS ACCOUNT IMMEDIATELY!
Product: Mortgage

My Mortgage payment amount changes each month. 
I never know how much I am suppose to pay. 
The company PennyMac XXXX CA XXXX I have tried to speak to someone about the constant changing of the mortgage amount I am to pay each month.
Product: Checking or savings account

Wallet and all personal ID, Social Security, BANK CARD, EBT card, mail, drivers license were stolen from previous residence after I was unlawfully locked out by sherif in 2022. XXXX XXXX FILED INCIDENT REPORY than refused to help. The management was only one with access to unit and they refused to let me re-enter day of lockout.
Product: Debt collection

ARS. are violating my private rights as a consumer by reporting inaccurate information on my consumer report. I did not give them my consent to contact me nor state I owe any alleged debts. ARS are using obscene and profane language as well as defaming my character with this alleged debt. I am enforcing my rights, for the damages caused by ARS pursuant to 15 USC 1692k civil liability.
Product: Student loan

I initially filed a refund request some time ago ( I believe it was XXXX ) in the amount of about {$1100.00}. I was told, at the time, that this would be processed in 90 days. That timeframe elapsed and, when I called, I spoke to an individual that had shared they " see it on their end '', but that they would " elevate '' the status and that I should expect to have it automatically deposited within 5-7 business days. That time also elapsed. I had called and went through MOHELA 's phone line and selected to speak with someone about " refund requests ''. This takes 60 minutes to get to an individual. After securing my information, THEN they share that my question needs to be addressed to a different representative and that I would need to be transferred. Instead of a direct line, I have to rejoin the queue and wait for 70 minutes for a call back. I join the call back list, wait 90 minutes, and call MOHELA back. I then get put on another call back list for 62 minutes. Once I receive that callback and share the situation to the person from MOHELA, they share that they need to transfer me to the same exact department because they can not answer my question themselves and I need to get ahold of a " senior representative ''. This requires me to rejoin another queue ( the same one before ) and now the time is 137 minutes.

MOHELA is being disingenuous with its o

penness and transparency by consistently breaching its own processing time, moving the " goal post '' of refund requests, setting up phone line options that do not lead to individuals that can address questions, not providing the direct phone line option for senior representatives which forces callers to have to unnecessarily go through extended wait times to get specific questions answered, and then places you through multiple transfers and multiple call back phone queues to the point that you have to attempt, again, on the next day and go through this process once more.

In my experience, it has been close to 5 months now of waiting for a refund request and being told incorrect and inaccurate information regarding processing times. I am contacting every agency I can to lodge complains at the mishandling by MOHELA and the incompetence in how they handle the loans they service.
Product: Student loan

I took out a loan for   XXXX   XXXX   in 2001 account number  XXXX . I was solicited by Navient to consolidate my loans to get a lower interest rate which I believe I mislead and was locked into a terrible loan terms which has cost me three time in interest and I am left a victim of their prey on Naive people.
I took out {$140000.00} loan and I have paid {$310000.00} and they are asking for another {$71000.00} which continues to grow.
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I am not aware of them, and the company made them without my permission.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I reached out to XXXX XXXX  about a auto loan inquiry for financing .I never received an adverse action letter from the company if the loan was approved or denied. 

I explained to them I wanted a copy of the notice. Also to make sure it was not a case of identity theft as my information has been subject to numerous data breaches. 
I would like to know the details of the loan application including the amount requested for the loan. 

They stated they no longer had the information. I explained to them that I believe that they are required to store that information and that I was within the time limit to request it. They continually told me to reach out to the dealer. Who by the way also is telling me they do not have documents I have requested.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

The debt was paid and the company told me that they would remove from my credit report and they lied to me I am very disappointed the way that company lied to me in order to get their money very deceiving company
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain 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
Product: Credit reporting

I had an account in collections that was paid. Exquifax has not updated or removed the account. I submitted a dispute, which they " investigated '' and responded with the information being " verified '' and an overdue balance. I contacted the creditor, who verified that the account was paid over a month prior and that the account had been updated with all XXXX major credit bureaus. I again contacted Equifax, they refused to update their information or attempt to resolve the misinformation.