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

I've brought this matter to CFPB and XXXX XXXX  before. Today, looking at my report and continue to see the questioned payment discrepancy that occurred almost 5 years ago impacting my score. This is in addition to now having paid almost the entire balance off. I considered hiring a lawyer, but during my research came across the below consumer legal rights. 

In accordance to the Free Credit Reporting act. This creditor XXXX XXXX  has violated my rights under 15 USC 1681. Section 602 which states that I have the right to privacy.

15 USC 1681, Section 604 a, Section 2 ( II ) also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666B, a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose. Please address this accordingly, immediately and lawfully.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 


I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Payday loan, title loan, or personal loan

I had recently checked my credit, and had verified that it was in good standing. I was surprised that when I visited XXXX 's website, I was unable to finance a phone purchase, even though the price was so low. I was also shocked to learn that the bank had put a hard credit pull. This was not disclosed on the web site that I visited.
Product: Credit reporting or other personal consumer reports

To whom it may concern : My First, Middle and Last Name is and ONLY is : XXXX XXXX XXXX My Address Street Number , Street Name, City State and Zip Code is and ONLY is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Date of Birth is and ONLY is : XXXX The Last 4 of MY Legally Acquired Social Security Number Is : XXXX *** Above listed is my Factually True, Verifiably and Correct Current requisite reporting PERSONAL IDENTIFIERS. 
I demand you REMOVE ANY AND ALL OTHER PERSONAL IDENTIFIERS as they do not belong to me. This INCLUDES ANY AND ALL NAMES, ADDRESSES, SOCIAL SECURITY NUMBERS, DATES OF BIRTH AND TELEPHONE NUMBERS you may be reporting. 

If you fail to remove any other identifiers from my consumer credit report you may be liable under the Fair Credit Reporting Act for statutory damages. 
Any information not pertaining to me should be removed immediately so that there is no confusing on whose consumer report this is. Please provide me with proof of updating my consumer report to reflect the changes by mailing me an updated copy. 

This document was sent certified through USPS mail with tracking number : Specifically, I have identified inaccuracies in the reporting of my personal information. 
I refer to the FCRA, specifically Section 1681i ( a ), which outlines the responsibilities of consumer reporting agencies to conduct reasonable investigations of disputed information and correct inaccuracies. 

Please be aware that this will be my last amicable attempt to dispute these inaccuracies. I will file litigation in this matter if these changes are not reflected on my consumer credit report within 15 days which is the allowed time under the FCRA for reinvestigation. 

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

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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a 2 fraudulent accounts and one fraudulent inquiry first account is a Utility Account Opened by XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened approximately in XX/XX/XXXX, and a Hard Inquiry by XXXXXXXX XXXX XXXX XXXX XXXXXXXX. on XX/XX/XXXXXXXX  These accounts/inquiries have resulted in several fraudulent hard inquiries and fraudulent collections/charge offs appearing on my consumer FICO credit report. 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 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 or other personal consumer reports

To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX DOB XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX. 
Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$2500.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$4500.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$1300.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$1900.00} XXXX. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$0.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$6200.00} XXXX. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$420.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$130.00} XXXX. Account name : XXXX Account opened : {$420.00} Amount owed : XX/XX/XXXX Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX Account Opened : XX/XX/XXXX Account name : XXXX Account Opened : XX/XX/XXXX XXXXAccount name : XXXX XXXX Account opened : XX/XX/XXXX XXXXAccount name : XXXX XXXX XXXX XXXX  Account opened XXXX XX/XX/XXXX XXXXAccount name : XXXX XXXX Account opened : XX/XX/XXXX XXXX.Account name : XXXX  Account opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My car loan stopped reporting in XXXX of XXXX after filing bankruptcy chapter XXXX. My bankruptcy was dismissed as of XX/XX/XXXX I have been contacting XXXX XXXX  since the bankruptcy was dismissed to get my car loan back reporting since it was deleted from credit report. I have had XXXX investigations open with the bank on why its not reporting only after being told its been reporting every month. XXXX XXXX assured me on XX/XX/XXXX that my loan was submitted to the credit bureau for reporting I have contacted Experian XXXX XXXXXXXX every signed day since and they advised me once they receive an updated electronically they can see it right away and nothing has been reported to them today is now XX/XX/XXXX XXXX federal says it can take 30 days to show up once reported but the credit bureaus state differently that information is updated once received a d if it was sent electronically they should be able to see it now. This car loan not showing on my credit is damaging to me no one will take my car as a trade In because there is no history of the loan! I have XXXX years of on time payments the car loan was open in XXXX of XXXX. The longer this does not report the more my car value will continue to go down and I will be more upside down in this loan. I have made every attempt to rectify this own my own and nothing has been resolved ive spent countless of hours on the phone with XXXX XXXX  and I am receiving mixed information. I can never get a straight forward answer or resolution regarding this. I should not have to file an official complaint against a bank to have my loan and payment reported its my right to have my information reported correctly.
Product: Debt collection

Ideal Collection Services , Inc. located in XXXX, FL Registering Agent : XXXX XXXX, XXXX XXXX, Account Manager, XXXX XXXX, and Attorney XXXX XXXX XXXX, XXXX are breaking many serious Federal & State laws by trying to collect on an Account that is past, The Statue of Limitation time in The State of Florida, they also have failed to comply with SECTION 609 of the Fair Credit Reporting Act which requires, Ideal Collections to Send me a Copy of the Original Wet-Inked Contract that I signed, and not send me copies of copies of third party fraudulent and inaccurate documents or contracts. According to the Fair Credit Reporting Act, Ideal Collections is required to verify through physical verification of the original signed certified consumer contract with my Wet-Inked Signature on it for any or all accounts they request to be posted and or reported on my Credit Report, and copies of copies are not Validation and are not considered proof for this account Ideal Collections has on my Credit. Ideal Collections continues to only send me a copy of a copy of another company that was not theirs, in which is not acceptable at all, according to the Fair Credit Reporting Laws. With this being done there was never any way for me to have any mistakes or erroneous reporting corrected from the other company, and I requested and am now still requesting the Original instrument indebtedness of it 's original form, which is not a copy, but the original written agreement with my Wet-Ink Signature on  it. Once this is provided, I am willing to accept a statement for the amount owing as of X/X/13 together with Ideal Collection Services , Inc. 's Assurance that they will Accept Payment in direct and in immediate exchange for the Original Instrument of indebtedness in it 's original form only. In addition, we also have another issue that was not addressed at all by Ideal Collections, which is this account is now violating Florida State Collection Laws ; because it is way past The Statue of Limitation. If Ideal Collections does n't remove this account immediately or provide me with the Original Instrument, then it will leave me no choice but to report them publicly to The State Attorney General 's Office, Federal Trade Commission, Better Business Bureau, and pursue taking Civil & Criminal legal action against them for breaking Federal and State Laws, as well as turning this into a possible Class Action Lawsuit for others to join in ; because I know there are other consumers who are being abused and are suffering by their fraudulent collection practices. I am asking for Ideal Collection Services , Inc. to provide that Original Contract/Instrument of indebtedness, and not a copy, to Me and show proof to The Consumer Financial Protection Bureau of being in compliance with Federal & State Laws to avoid Civil & Criminal Liability.
Product: Credit reporting or other personal consumer reports

unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( XXXX ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My Free Application for Federal Student Aid ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under XXXX ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. It also breaches the contract/agreement between myself and XXXX about my loan.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I noticed inaccuracies. This letter serves as a formal dispute and request for a procedural investigation into this inaccurate information, as is my right under FCRA 15 USC 1681 ( i ). The account in question bears the number XXXX and I have identified inaccuracies that require immediate review and correction. The company being address in this letter is XXXX XXXX. Thank You.
Product: Debt collection

On XX/XX/2023 at approximately XXXX XXXX EST I contacted the original creditor XXXX  XXXX XXXX. I was advised I had an outstanding balance of {$850.00}. They advised me to reach out to Key 2 Recovery, a debt collector, to settle the account. I then found their website and logged in using my personal information, and they showed a balance of {$1100.00}. I submitted an online dispute and advised that I had just been told by the original creditor the amount owed was sent to them as {$850.00}. Key 2 Recovery then called me and said they were given a file in the amount of {$1100.00} by XXXX XXXXXXXX XXXX. I advised I had JUST talked to the university and the file was sent over as {$850.00}, per the original creditors. The collection agent then demanded XXXX XXXX DOLLARS to settle the debt. This is outrageous, in excess of any allowable fees, interest, or charges allowable in my state, and a misrepresentation. The amount originally owed was also grossly misrepresented and the representative lied about the original amount sent over. These unlawful tactics need to be dealt with.
Product: Mortgage

XXXX : Applied for a home improvement loan with Discover Home Loans and was preapproved based on my credit score, income, and estimated market value of my primary home. XXXX XXXX XXXX XX/XX/XXXX ( XXXX PST ) : Received the full appraisal of my primary home confirming estimated values to be {$960000.00} ( sales comparison approach ) and {>= $1,000,000} ( cost approach ). The lower value meeting the estimated market value at time of application and pre-eligibility process. Email from Discover stated : " XXXX, our underwriters are conducting their final review of your loan application... This crucial step takes a few days and we'll let you know when it is complete ... '' XX/XX/XXXX ( XXXX PST ) : Received an email from Discover Home Loan Services, " We are unable to approve your application. You'll receive a letter in the mail in a few days with more information about this decision. '' I then reached out to the Sr. Loan Processor ( XXXX XXXX XXXX to inquire what had happened as we were baffled and thought perhaps there had been a system error. XXXX responded with the following, " The underwriter has reviewed your file and it appears it has resulted in a decline. The reason they provided was " the property value given to a non-conforming half floor. Non conforming means not meeting zoning requirements. The appraiser also stated that the den in the basement does not meet proper egress ( exit ). The half floor is completed but does not meet the ceiling height requirement to be included in finished square footage. Finished area must have ceiling height of at least XXXX feet per XXXX guidelines. '' In all of my years being involved in retail lending, buying and selling homes and having a spouse that served a real estate agent, we have never heard of well-qualified consumers being denied a mortgage-related loan when an appraisal had met value, especially one in which the very thorough appraiser implied would potentially sell higher if we weren't currently in a depressed market due to high rates and low season. We've literally had people offer to buy our home off market. The buyers previous to us and in our own purchase did not have any issue with meeting market value for our primary purchase loan on this home. The area we live in is surrounded by homes of a similar nature, built between the XXXX 's and have no difficulty with inventory movement, the layouts are market-dependent and rooms outweigh conforming square foot in our market. Further, the market value of the home would exceed FHA and conforming loan max amounts. 

I would be curious to know if they are consistent with this type of denial with others in our metro area.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint to have these 6 fraudulent inquiries deleted off my credit file I have not checked my credit and I want these inquiries removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are fraudulent, I have checked my credit and now I have credit freeze, im asking for these inquiries to be removed asap, I am a victim of identity theft I would appreciate that these be taking off my credit report thank you!

And no fraud alert, do not add a fraud alert, I have a credit freeze instead. 

XXXX please remove these fraudulent inquiries off my credit report im sending a screen shot of those inquiries and a police report that filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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

Leasing Desk is incorrectly report data provided by XXXX that is incorrect. It has that I have rental debt from Oregon in which I haven't lived. I have resided at XXXX XXXX XXXX, XXXX Texas XXXX for 3 1/2 years. Yet they are reporting rental debt for 8 months ago. In which I was living in texas. My husband is XXXX at XXXX XXXX, Texas and has been there for 3 years. I also have proof
Product: Debt collection

I received multiple notifications of a debt via phone call on or about XX/XX/XXXX for approximately {$1400.00}. This bill was for my son XXXX XXXX, for services rendered from XXXX XXXX XXXX XXXX. These calls were sent from a third party debt collector XXXX XXXX XXXX. 

My wife and I attempted to reconcile this alleged debt with Tri-Care insurance and XXXX. After the third attempt to collect, I corresponded with XXXX XXXX of XXXX XXXX XXXX, specifically requesting verification of my debt in accordance with The Fair Debt Collection Practices Act. 

He sent a " bill '' indicating that I owed " XXXX. '' Upon receipt of this document, I called XXXX XXXX to discuss. This conversation occurred XXXX XX/XX/XXXX. He, like I, had the same impression that nothing was owed. He alerted me he would be resolving the issue on his end and assured me it would be taken care of. 

On XXXX XX/XX/XXXX, XXXX XXXX sent me another message. This time he alerted me ( without a verification of debt ) that the alleged amount was valid and I should discuss the issue with XXXX XXXX. 

Please keep in mind, I have not received a verification of debt. memorialized in an email correspondence chain originated from my XXXX XXXX XXXX email. I will attempt to attach it to this complaint and have it ready to furnish if/when desired.
Product: Student loan

This is now my third official complaint against Navient about bad business practices, allocation mistakes, and ignoring allocation directions. Whomever Navient is paid up with for protection or has bribed at CFPB, they are getting their moneys worth.

Outright, this company, Navient is shady. Every student loan statement comes with printed directions for allocating payments differently to include written instructions. " You have the option to instruct us to allocate payments differently or to not advance your due date. ... Clearly write your instructions on a separate piece of paper included with your check. '' I did so by dating a letter and mailing a large payment ( {$6800.00} ) on approximately XX/XX/XXXX. This amount was intended to pay off close to 99 % of the entire student loan debt so I could be rid of this terrible loan service company after getting extremely tired of all the printed statement confusion throughout XX/XX/XXXX and other on-going issues. The payment cleared on XX/XX/XXXX. The  allocation instructions were not followed, again. On XX/XX/XXXX at approximately XXXX, Navient customer service agent XXXX confirmed that they had indeed received the allocation instructions letter with the XXXX payment, and that is all I needed to know given previous experiences with this company. The most important takeaway I have from my experiences with Navient is that they blatantly choose to ignore written instructions pertaining to allocation. Any apologies or responses in regards to complaints are simply fluff. They do not follow written instructions, this fact can not be emphasized enough ; Navient should be penalized in some way.