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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to file a complaint concerning inaccurate information on my credit report. I believe this information is incorrect and would like your assistance in resolving this issue. 
Personal Information : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Credit Bureau Information : Credit Bureau Name XXXX [ TransUnion, XXXX, XXXX ] Report Date : [ XX/XX/year> ] Details of the Inaccurate Information : Account Name or Number : [ Provide details of the account ] Nature of Inaccuracy : [ The Names Addresses and Date of Birth that is being reporting is inaccurate- Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate your attention to this matter and request your assistance in ensuring that my credit report is corrected. Please keep me informed about the progress of my complaint. 
Thank you for your time and assistance. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My Social Security Number ( SSN ) was involved in a data breach that occurred on or before XXXX of XXXX, extending until XXXX. This breach affected individuals who underwent background checks and applied for jobs, leading to the appearance of numbers on my record. 
I did not provide consent for these accounts to be opened, and I lacked an understanding of credit and its mechanisms during that time. Consequently, I did not establish any credit relationships with the companies involved. I urgently request the removal of these erroneous entries from my credit report once and for all. 
The repercussions of these inaccuracies have been far-reaching and abnormal. Unfamiliar inquiries have appeared, accounts that I neither authorized nor opened have been added, and I've faced denials and disrespect due to these discrepancies. The errors in my credit report are extensive and profoundly incorrect. They encompass several aspects, including but not limited to : * Name Discrepancies : I want to clarify that my correct name is " XXXX XXXX XXXX XXXX '' I have never used nor consented to be referred to as " XXXX XXXX XXXXXXXX '' or any other variations. This is the only accurate name associated with me. 
* Address Accuracy : My precise address is " XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. '' It must be consistently displayed as such, including the apartment number. I do not authorize any other variations of this address to be linked to me. 
* Invalid Addresses : The following addresses on my credit report are invalid and inaccurate, not associated with me : * " XXXX XXXXXXXX XXXX  XXXX, NY XXXX '' * " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX '' * " XXXX XXXX XXXX, XXXX XXXX, NY XXXX '' Moving forward, I wish to address specific discrepancies related to certain accounts : * * XXXX  XXXX : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$1400.00}. I did not provide consent or a written signature for this account, nor did I authorize its reporting. All these accounts were opened online. 
* XXXX XXXX  : Contact : XXXX XXXX XXXX, XXXX, DE XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$4700.00}. Similar to the previous cases, I neither gave consent nor provided a written signature for this account 's reporting. All these accounts were opened online. 
XXXX Portfolio RC : Opened : XX/XX/XXXX ; Account # XXXX ; Owed : {$5500.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. The account by XXXX was deemed fraudulent and removed, yet Portfolio RC persists in reporting the collection stemming from it. 
* It's worth noting that a breach detailed in an article XXXX XXXX XXXX XXXX ) is responsible for over 21.5 million stolen identities, as discussed. 
I implore you to rectify these inaccuracies promptly, as they have severely affected my financial standing and personal integrity. I appreciate your immediate attention to this matter.
Product: Debt collection

The company LVNV Funding LLC refuses to provide the following information : 1. The proof that the contract does not pass the statute of limitations contract law california ( California is 4 years ) 2. The full contract with my signature that I am doing any business with LVNV 3. Provide me with ALL ORIGINAL DOCUMENTS, that show the proof of the balance, interest rate, DISCLOSURE FORMS, and my original signature on the contract. ( DO NOT SEND ME A VERIFY STATEMENT ). Anyone can make up a verified statement.

4. Did a lawyer review this collection account, you claim I owed? If yes, provide the document the lawyer signed.

5. The original documents LVNV Funding LLC has the right to obtain my information This is clear and precise for ALL the documents I am requesting. There has been a misunderstanding or comprehension problem on your side about my request. I hope this clarifies what I need from LVNV Funding LLC.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and to request that the following fraudulent account and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These entries were not authorized by me and are the result of fraudulent activity stemming from the data breach. 
Fraudulent Account : XXXX  Account : XXXX Date : XX/XX/XXXX Amount : {$0.00} Fraudulent Inquiries : XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX
Product: Student loan

I want NelNet to restart my payments. I want to be on PSLF, this way I can make payments, and begin the ten year clock for getting my loans forgiven.

Currently, my loans are in deferral. I have contacted Nelnet and told them that I want payments to be restarted under a PSLF plan ( which, being a municipal government employee, I qualify for ), and they will not do so. My loan payments were put on deferral sometime in mid XXXX until XXXX, XXXX. Today ( XX/XX/XXXX ), I just checked, and now payments will not begin until XX/XX/XXXX. 

I want scheduled payments to begin, so i can make my ten years of payments under PSLF and have my loans forgiven.

It is worth noting I have previously complained about a similar issue ( I believe it was under my other email, XXXX ). I went through the CFPB, and when I did they resumed my payments earlier. I would like the same thing to happen in this instance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Removal of Fraudulent Addresses Under the FCRA & FTC Regulations Dear Equifax Dispute Department , I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C 1681 ] and the Federal Trade Commission ( FTC ) Identity Theft Regulations to formally dispute and demand the immediate removal of fraudulent and inaccurate addresses from my credit report.

For identification purposes, my information is as follows : Full Name : XXXX XXXX Social Security Number ( last four digits ) : XXXX Date of Birth : XX/XX/XXXX Upon reviewing my credit file, I have identified multiple inaccurate and unauthorized addresses that do not belong to me. These inaccuracies constitute a violation of my consumer rights under the FCRA, which mandates that credit reporting agencies maintain maximum possible accuracy in consumer files. As per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), credit reporting agencies must promptly delete any information that can not be verified or is found to be inaccurate. 

The following addresses are fraudulent and must be permanently removed from my credit file : XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX As per the Fair Credit Reporting Act ( FCRA ) 611, I demand that you conduct a thorough reinvestigation of these fraudulent addresses within 30 days and provide me with a written confirmation upon their removal. Furthermore, under 15 U.S.C. 1681c-2, I am exercising my right to block any fraudulent information from appearing in my file.

I am enclosing a copy of my identification and proof of my correct address to assist in your verification process. If these addresses are not removed within the legally required time frame, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action.

Please confirm in writing that these corrections have been made. You may contact me at the address above should you require any additional information. 

Sincerely, XXXX XXXX
Product: Debt collection

I have sent three debt validation letters to national credit systems in regards to a supposed debt from XXXX XXXX XXXX. I sent the first letter via certified mail to a address on file XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXXXXXX on XX/XX/year> it was returned to me on XX/XX/year> saying address not known i then called national credit systems and asked for a correct address and they provided me with two known addresses. I then sent a debt validation letter via certified mail to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> and they received the letter on XX/XX/year> I also sent a letter to XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/year> and they received the letter on XX/XX/year>. These were the two addresses provided to me by National credit systems but i still received no corresponding letter from them validating my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX
Product: Credit reporting

I am filing a complaint because I have requested a full file disclosure from lexis nexis on several occasions and they have ignored my request. I continue too be denied credit every time that they pull my lexis nexis report. I need a full file with all the information or notes that have been placed on my lexis nexis file. I was also told that i have a fraud alert on my lexis nexis file and i have not requested this alert on my lexis nexis and it continues to hinder me from obtaining credit.
Product: Debt collection

To whom it may concern, I have recently pulled my credit report and notice that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debit. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. Agreement that bears signature of the alleged debtor with promise to pay the original creditor. Complete payment history on this account, to prove that the amount you wish to collect is correct. I hope your legal staff will agree that noncompliance with this request will result in serious legal, trouble for your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Navient is reporting inaccurate information on my credit report with XXXX. XXXX   and XXXX  is reporting exceptional payment for my account history. Navient is reporting with XXXX negative payment history for the following accounts : date open XX/XX/XXXX, balance $ XXXX-Current was past due 150 days. The second account date open XX/XX/XXXX, balance {$7300.00} and is reporting as Current was past due 150 days. The third account date open is XX/XX/XXXX and the balance as {$2100.00} and is reporting as Current-was past due 150 days. Im requesting to have the information reported correctly with XXXX  as exceptional payment history. The way that the account are reporting with this credit bureau is incorrect and is hurting my credit score. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  the following account numbers indicated below have violated my rights to privacy, according to 15 USC 1681 Section 602A.

Furthermore, according to 15 USC 1681 Section 604A, Section 2. A consumer reporting agency can not furnish an account without any written instruction. 

Account # Original Creditor Original XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have repeatedly emailed PayPal concerning an unauthorized transaction made to my credit card and Ive not heard back from them as of todays date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries and accounts on my credit report. It appears someone must have applied for something in my name. I have sent several disputes to remove these discrepancies. However, I have had no success in my attempts. These inquiries and accounts are fraudulent, and I would like for you and your team to have them removed. ( XXXX XXXX XXXX XXXX XXXX {$8800.00} date XX/XX/XXXX ) ( XXXX XXXX XXXX for {$1800.00} date XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX for {$550.00} date XX/XX/XXXX ) ( XXXX XXXX XXXX for {$470.00} date XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies have violated my rights. 

15 U.S.C 1681 section 602 A. states that I have a right to privacy.

16 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX  ( Finance ) XX/XX/2021 XXXX  XXXX  XXXX  XXXX ( Bank ) XX/XX/2021 XXXX XXXX  ( Bank ) XX/XX/2021 XXXX  XXXX  ( Finance ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX Auto ) XX/XX/2021 2021
Product: Credit card

I had a returned payment on my XXXX of my capitol one accounts. Due to that they canceled all XXXX cards after payments was made for years no missed payment!
Product: Vehicle loan or lease

I was assured by the dealership salesman verbally that two monthly promotions would be applied to the price of the vehicle. I was lured in by the discount but it was subsequently not applied in the sales documents and when I asked about it before completing all signatures on the loan, I was once more verbally assured that it was applied. Upon looking at my forms AFTER signing, I was told that I had already signed the forms and there was nothing to be done. I bought the vehicle ABOVE the MSRP that even Toyota corporation listed. Toyota listed MSRP at {$41000.00} and the dealership sold it to me at {$45000.00}. ( This before taxes, fees, etc which brought loan to {$56000.00}. ) I have been trying to reach dealership personnel in person, phone and email and they do not respond.
Product: Credit card or prepaid card

On XX/XX/XXXX my family and I were supposed to fly out of XXXX XXXX XXXX XXXX XXXX ( XXXX ) back home to XXXX XXXX XXXX ( XXXX ). The flight was to leave on XX/XX/XXXX at XXXX. I checked into the flight on XX/XX/XXXX at XXXX and printed my boarding pass. At XXXX on XX/XX/XXXX I received notification on my XXXX  app that my flight is being delayed until XXXX on XX/XX/XXXX. At XXXX I received a follow-up alert via XXXX app saying my flight was now being delayed until XXXX on XX/XX/XXXX. At XXXX I received, yet again, another notification, this time via email, that I am being rebook to a connecting flight from XXXX at XXXX to XXXX XXXX XXXX ( XXXX ) and then a connecting flight to XXXX. I tried to get ahold of someone on the phone, however, I was met with an over three hour hold. My daughter had XXXX XXXX XXXX on XX/XX/XXXX, and I was already worried about traveling with her in the airport during the Covid-19 outbreak, however, I became even more stressed when I learned that without my permission I was forced off the flight. We were told that the XXXX flight, out initial flight, was overbooked and the reason we were bumped off the flight was because we used reward miles. When I finally got ahold of a representative from XXXX XXXX on Tuesdays around XXXX, I was told it seemed there was a system error which caused for my family and I to be re-assigned to another flight. I, however, should not be penalized monetarily due to a system error. 
Due to the uncertainty of what was happening in XXXX XXXX the only other way to get home was to rent a car and drive cross-country with a XXXX old baby ( who had XXXX XXXX XXXX on XX/XX/XXXX ) and I was incredibly upset, stressed, and worried for the health of my daughter. Not to mention the stress it caused my daughter to have to be in a car for almost 40 hours driving back home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first report on XX/XX/2019 XXXX # XXXX. I asked for a Master promissory Note Proving the Loans that they had under my name for there company. The CFPB dismissed my complaint because XXXX/Navient sent a Promissory Note that had nothing to do with the Loans they Claim they have on file for me. 

I have Attached to THIS complaint is the Promissory Note that XXXX/Navient attached with my first complaint ( # XXXX ). I have also attached what XXXX/Navient reporting to the creditors. 

Why are the Original Grantors not the same? Isnt the information suppose to match? 

I also asked my private loan carrier for A Master Promissory Note and I was shocked to find out that they have the same Promissory Note for my private loans that XXXX/Navient have for Federal loans for different schools. 

How is that possible? 

XXXX has told me on multiple occasions and by multiple employees when I have asked XXXX/Navient who my Original Grantor is ; there answer has changed atleast Twice, and now that I see that there reporting that XXXX is the Original Grantor. That's the third misinformation about this loan that they have given not just to me but multiple other companies. 

I have asked an employee and one of XXXX/Navient Managers for contact information to there legal Department. I was told that XXXX/Navient does not have a legal department. 

How do they handle lawsuits without a legal department? 

All conversations were recorded, I have had problems attaching them in the past, but if an email is provided I can submit those recordings Promptly. 

I hope someone really looks into this!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference : XXXX XXXX XXXX Experian Report No. : XXXX Dated XXXX To : Experian, XXXX XXXX XXXX, XXXX, Texas XXXX Your report states This address may be perceived as high risk since it is a non-residential address:XXXX XXXX XXXX XXXX XXXX , FL XXXX Per attached Official XXXX County Office of the Property Appraiser Detailed Report the property is RESIDENTIAL SINGLE FAMILY : 1 UNIT As anyone who lives or visits XXXX Florida knows well XXXX XXXX XXXX and immediate area in XXXX XXXX is not just residential but one of the most exclusive and expensive residential areas in Florida. 
PLEASE CORRECT THE RECORD AND DELETE THE FALSEAND SPURIOUS DEROGATORY INFORMATION FROM YOUR REPORT
Product: Debt collection

I moved out and cancelled my lease because I was already being severely overcharged by your company. For a long time I was being charged $ XXXX. When I called your office to point out to you that I was being overcharged based on the pricing listed on your website, I was told that my pricing would not be lowered to your advertised price, and only reduced to {$190.00}. The current advertised price for the same exact enclosed space that I had, is for {$150.00} per month, and it very clearly states NO OBLIGATION. It does not say that it is a move in special, or limited time offer, or only applying to new move-ins. Still a full {$37.00} per month over your current pricing. 

I have been charged substantially more than your current pricing. It also appears I have been being charged a {$12.00} per month protection fee which I only realized recently. Apparently your website does not show itemized billing on demand, and it is also not allowing me to go back and look at previous statements for itemization. I finally found some previous invoices in my email. When I noticed that, I initially thought it was for the physical security on premise, which was apparently installed and being monitored by an unlicensed security company. After some digging, I found out I'm being charged for some sort of a protection plan because you did not have a copy of my trailers insurance on file. I have had insurance since I bought the trailer in XXXX. 

So in addition to being overcharged on the monthly space, Ive also been overcharged by that {$12.00} per month. That protection fee did not appear until AFTER I called in to discuss being overcharged in the first place. I consider that being charged a retaliatory fee for raising the issue. And since the optimization is not available on your website, it appears that you were intentionally trying to hide that from me. I have never received a notice that that fee was going to be charged to me. I have also not been sent a physical invoice since these changes were made, which also tells me you were intentionally not wanting to show me that fee.