23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX I am writing to formally request the deletion of certain negative account from my consumer report, which has been reported by XXXX XXXX XXXX XXXX ( account # XXXX ) without my explicit consent to your agency, which fall under non-affiliated third parties. I have also noticed inaccuracies in the reporting of a charge off regarding this account. According to the FCRA, credit reporting agencies are responsible for maintaining accurate and up-to-date information. These entries violate the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically : 15 USC 1681a ( 2 ) ( a ) ( i ) - ( 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 15 USC 6802 - Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( XXXX ) In XXXX XXXX XXXX XXXX not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 USC 1681 Section 604 A Section 2 - A consumer reporting agency can not furnish an account without my written consent.

15 USC 1666b - A creditor may not treat any payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Debt collection

2 months ago I started getting phone calls from different numbers asking for my information, when I asked what was the call for they would say they couldnt say anything about the reason of the call until I give them all my information. I would tell them to stop calling they kept harassing and threatening me. Saying they were going to take legal matter and file a report, stated that they knew where I lived and where I worked, and they were going to send someone to personally deliver documents about the report if I dont pay them right away. I logged on to my XXXX XXXX  and noticed that there was a collection of {$880.00} from Stafford Group Associate. I looked it up online and noticed from the same company that they were doing this to other people. If you could please help me to dispute this transaction/collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$3100.00}
Product: Debt collection

Company calls both me and emergency contact 8 times a day, 7 days a week, from XXXX to XXXX anytime i miss a payment by 2 or more days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681-604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor many not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and TransUnion Credit Bureau have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$410.00}
Product: Student loan

My loan was bought out by American Education Services recently. I have XXXX loans with them ; XXXX at high interest rate, XXXX at a low interest rate. They intentionally put the extra principal amount toward the cheaper interest rate ; which is now LAW and they are legally breaking the law and STEALING from me. I should not even have to request for them to pay my loans correctly and they are mandating that I set this up with them. How many other people are they legally stealing from? They should be put out of business for this shady practice. Criminals.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act AD ASTRA RECOVERY SERVICE 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions. 

The information reported is incorrect. 
On the XXXX report it states Balance updated XXXX XXXX On the XXXX report it states Balance updated NO DATE On the XXXX report it states Balance updated XX/XX/XXXX On the XXXX report it states Status update XX/XX/XXXX On the XXXX report it states Status update XX/XX/XXXX On the XXXX report it states Status update XX/XX/XXXX On the XXXX report it states Account Type Collection On the XXXX report it states Account Type Collection Account On the XXXX report it states Account Type Open account This is information in incorrect and inconsistent. 
I have tried to file a dispute. 
XXXX stated : AD ASTRA RECOVERY SERVICES Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has sent a computer generated copy of an order for that is not a validation of credit. Any Esignature must also have a wet signature. 
Esignature documents must have Name Address Social DOb attach to make form legal. 

This e signature doesn't have a XXXX address ip address or any Digital certificates
Product: Credit card or prepaid card

SYNCHRONY FINANCIAL I DID NOT APPLY FOR THIS LOW LEVEL NONSENSE I DID NOT APPLY FOR SYNCRONY IN MY LIFE THEY ARE KNOWN FOR SCAMMING FOLKS WITH BAD CREEDIT I DID NOT HAVE BAD CREDIT AT ANY POINT AND LASTLY I HAVE ONLY EVER APPLIED FOR MY HOUSE AND MY XXXX  XXXX AND THATS THAT I WANT THIS INQUIRY REMOVED NOW THIS INQUIRY IS FRAUDULENT AND NOT MINE, AND IF YOU SAY ITS MINE I WANT CONCRETE PROOF BY FCRA GUIDELINES THAT PROVE THIS WAS ME IN WRITING WITH PURE PROOF THAT THIS WAS WIHTOUT ANY UNREASONABLE DOUBT ME THAT APPLIED FOR THIS ACCOUNT OR NONSENSE I FNOT REMOVE THE INQUIRY OR I WILL SUE YOU FOR SLANDER, FRAUD AND INVOLVE THE ATTORNEY GENERAL AND TRADE COOMMISSION AND I AM NOT KIDDING HOW DARE YOU TAINT MY REPORT WIHT XXXX XXXX
Product: Credit card or prepaid card

Fraudulent charges appeared on my direct Express card on XX/XX/2021. The next day I discovered the charges and tried to report them as fraudulent. I was told my only recourse was to wait for the charges to clear and then dispute them ... 7 to 10 days later. I called another option in the automated system for stolen card and reported the fraudulent charges. One charge was immediately removed, but I was told the other charges, for approximately 42 times more money, would have to be disputed after they cleared because they were only a service card, not a bank card company. Yet the one charge was removed and they canceled the card because it was compromised. Now I can't even access the system until the new card arrives and I activate it ... another delay of indeterminate length.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP TO MY CREDIT AND ALSO TO ME PERSONALLY. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX I am sending my Affidavit from the Federal Trade Commission which state the student loan for {$49000.00} is fraudulent and not mine. 


The FTC advice me to close this account due to identity theft. I have filed a police report. The Department of Education has already started an investigation. The student loan for {$49000.00} is fake because XXXX XXXX legally was not my lender nor owner of my student loan. XXXX never sent me any legal document I signed for a loan in the amount of {$49000.00}. XXXX never sent Disclosure statements required under the Higher Education Act. Truth IN Lending. So close this account while the investigation is in process with the FTC and Department of Education and other law enforcement.
Product: Credit card or prepaid card

I filed my card as lost in XX/XX/XXXX. I called customer service on XX/XX/XXXX to make a payment because I couldnt get online because online was asking for a card number but I hadnt received a new card. Therefore I didnt have access to my statements or payment amounts so I called on XX/XX/XXXX to make a payment. I was told the minimum amount due was {$78.00} so I made a payment of {$80.00} over the phone. It has been a week and I still hadnt received my card so i called customer service on XX/XX/XXXX to customer service to make a payment for the amount due. I was told the amount due was {$77.00} and my total balance was XXXX and my credit Limit was {$2700.00}. She set me up on autopay to have ThePayment due {$77.00} draft out on on XX/XX/XXXX and will continue to draft on the first of every month. She also said she would connect me with someone about lowering my APR. I look at my account today and citi drafted {$210.00} which was not the amount I was told. I AM XXXX AND UPSET
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : # XXXX, dept of ed/ XXXX : # XXXX, XXXX : # XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXc : XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX, Dept of ed /XXXX XXXX # XXXX, XXXX XXXX  : # XXXXXXXX XXXXXXXX XXXX  # XXXXXXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 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: Debt collection

XXXX kept charging me for an account that was closed. They intimidated me since I disputed the bill with my XXXX account. ried Basically, XXXX tried to ruin my credit rating by reporting me to credit agencies. 

I never received a letter any other correspondence that they would take this aggresive tactic. I ended up having to pay the {$94.00} charge to keep my excellent credit rating which is unfair and a shakedown. 

I live in XXXX, XXXX for the past year and have spent a lot of money on the phone trying to resolve this dispute. It is a matter of principle in my mind not to be taken advantage by XXXX collection practises. 

Thank you for hearing my complaint.
Product: Payday loan, title loan, or personal loan

Took out an installment loan for XXXX XX/XX/XXXX. Was allowed to skip 2 payments in XXXX due to pandemic. Pay XXXX twice per month. The original end date of the loan was XX/XX/XXXX. The two missed payments were to be added to the end of the loan. I have paid in over {$6000.00} for a {$2500.00} loan. I am now told I need to keep paying until XXXX of XXXX. That would amount to additional {$3800.00}, bringing the total to almost {$10000.00} for the {$2500.00} loan. After complaining they agreed to settle for {$1000.00}. I don't think that is fair. They also would report the account to credit as a settled account hurting my credit. I feel I have more than paid back this loan. Any help would be appreciated. I don't want my credit damaged. Thank you.
Product: Credit reporting or other personal consumer reports

Factor Trust Furthermore, as you can see from the information above, your agency is not reporting accurate information. 
According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} 2 Defamation of character {$1000.00} 3 Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} 5 Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Product: Checking or savings account

A $ XXXX monthly fee was charged. I requested to close the account, and have the fee refunded. Wells Fargo closed the account, but did not refund the {$10.00} fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I received an alert from XXXX XXXX stating that my credit score changed. I looked at the score for XXXX and it went down XXXX points ( XXXX to XXXX XXXX. Transunion 's credit score went down XXXX points ( XXXX to XXXX XXXX. I was blown back from what I saw. 

I called Transunion and talked to several people. Everyone had the same script. They can not do anything about it. They did not know what my score was earlier in the week. They do not track that info. 

The associates and their supervisors said that my lack of open accounts possibly dropped my score down that much or the inquiry from XXXX XXXX ( in process of purchasing a home ). That made no sense. Am I being dinged for being debt free XXXX absurd )? I asked why this magnitude of a drop is not happening at the other bureaus. They would not answer outside of that is the way their system works. 

As I stated before, my wife and I are in the process of purchasing a new home and my score does not look good in the eyes of the lender. I need my score to get back to where it was.
Product: Debt collection

Navy Federal Credit Union did not lawfully obtain consent in accordance with the GLBA and FCRA to share nonpublic personal information, resulting in material misrepresentation, fraud, and identity theft pursuant 15 USC 1681a ( q ) ( 3 ) and Texas Penal Code Section 32.51. Navy Federal Credit Union is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX Experian XXXX XXXX Department XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I request the temporary removal of the security freeze on my credit file. Unfortunately, I have forgotten my PIN, and I have been unable to unfreeze my account through your customer service. I have attempted to resolve this issue by phone multiple times, but due to my phone being off, I have faced difficulties verifying my identity and completing the process. 

I urgently need to unfreeze my credit file for two weeks to obtain a tradeline. Please let me know the steps required to verify my identity and proceed with lifting the freeze. I have provided a copy of my Identification card and my social security number. I will provide any other necessary documentation to assist with this request. 

I appreciate your prompt attention to this matter, as it is time-sensitive. Please contact me at my email which is, XXXX or my alternative phone number which is ( XXXX ) XXXX If any further information is needed. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear ( XXXX XXXX ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

BEFORE I START THIS DISPUTE, I WOULD LIKE TO LET THE CFPB THAT THIS IS NOT A DUPLICATE COMPLAINT. 

MY COMPLAINT IS ABOUT GETTING MY UPDATED CREDIT REPORT SOLEY FROM EQUIFAX AND XXXX. XXXX TOLD ME THAT I CAN NOT OPEN ANY ACCOUNT BECAUSE MY XXXX ACCOUNT IS IN SPECIAL SERVICE DEPARTMENT. I CALLED THEM SEVERAL TIME TO LET ME OPEN A XXXX ACCOUNT SO I CAN MONITOR MY CREDIT SCORE INSTEAD OF GETTING IT FOR FREE FROM XXXX XXXX XXXX WEBSITE THAT DO NOT GIVE CREDIT SCORE A SUMMARY. ITS BEEN ALMOST A YEAR NOW THAT I CAN NOT ACCESS MY ACTUAL XXXX CREDIT REPORT FROM THEIR WEBSITE. THEY ARE VERY RUDE WHEN I'M TRYING DIG DEEP OF WHAT IS THEIR REASONS WHY THEY PUT MY ACCOUNT TO SPECIAL DEPARTMENT? NO STABLE AND CONSISTENT RESPONSE FROM EVERY AGEN I SPOKE TO, INSTEAD I HAVE A RUDE AND ARROGANT RESPONSE FROM EACH ONE OF THEM. FOR EQUIFAX THE SAME REASON, THEY TOLD ME I HAVE A DUPLICATE ACCOUNT BUT THEN THEY DONT RESOLVE THE DUPLICATE ACCOUNT AND I WAS WASTING MY MONEY PAYING MONTHLT EQUIFAX SUBSCRIPTION AND I HAVE NOT RECEIVED ANY CLEAR OR UPDATED CREDIT SCORE. THEY ARE ALSO RUDE AND ARROGANT WHEN I TRIED TO KEEP ASKING WHY I CAN NOT GET AN UPDATED REPORT? AS PER FCRA IT IS MY RIGHT A S CONSUMER TO HAVE OR REQUEST AN UPDATED CREDIT REPORT.
Product: Money transfer, virtual currency, or money service

I have not been notified that they closed my account due to a violation in the terms of service but as my recollection was not by any means in violation of there terms or service
Product: Debt collection

to whom may concern, im writing this complaint to inform you of the violation FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] of all three credit bureaus XXXX, XXXX and XXXX. im trying to start a business and purchase my first home, these inaccurate validation of these accounts has detrimental impact on my credit score. XXXX of XXXX dispute letters was sent out, no less than 30 days the account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX was removed. XXXX of XXXX reinsertion of collections account had to be disputed again and was removed. XXXX of XXXX XXXX XXXX XXXX and southwest credit sys was reinserted again different company. i have received no such notification in validation of these accounts.