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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX  XXXX Balance : {$330.00}
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 6 ) B ) iii Notice of results How was accounts verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is 15 USC 1681 1 6 6 is notice of results of investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act, I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXX XXXX XXXX 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
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 : XXXX, XXXX : XXXX, XXXX : 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 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: 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 and inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an XXXX  individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my husband recently reviewed and found multiple accounts that have been opened in my name without my knowledge and they were removed, and they came back without notifying me and this is against the law. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
Sincerely, 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
Product: Bank account or service

I am a Bank of America customer and was planning to travel to the XXXX XXXX on a cruise. I notified Bank of American on XXXX XXXX of my plans and gave the stops. I received an email from Bank of Ameirca confirming that my travel notice was set fro my debit card. On XXXX XXXX, I attempted to make a purchase Touch XXXX in XXXX XXXX using my Bank of America debit card. It was rejected. I called the Bank from XXXX and spent XXXX minutes on the phone ( most of the time waitting ). I was finally transferred to the fraud department which confirmed that I did have a travel notice on my card. The representative attempted to approve the transaction and was unable. She transferred me to another representative who finally was able to put the transaction through. No one could explain why I encountered this problem. When I returned to the crusie ship I had a voicemail from the Bank on my cell phone thanking me for informing them of my travel. I complained to both the Fraud Department and customer service about the problem encountered using my depit card. 

I complained about the service and received an email on XXXX XXXX from XXXX XXXX of the Bank 's Enterprise Customer Care Resolution asking me to call. I ahave subsequently left three messages with no return call. I am seeking a explanation and an apology from the Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

The  XXXX   XXXX  is reporting several incorrect items on my  XXXX ,  XXXX  and Experian credit reports. First,  XXXX   XXXX  is reporting that there was payment activity in  XX/XX/XXXX    (  XXXX   ),  which the last payment made was in   XXXX  . Second, it is reporting that there is a monthly payment of {$2100.00} which the monthly payment is {$0.00}. The Home I have contacted  XXXX   XXXX  several times about identity theft and provided copies of police reports and fraud affidavits but in response instead of removing these fraud accounts -  XXXX   XXXX  reports these accounts as " new derogatory '' accounts which artificially lowers my  credit score.      The  XXXX   XXXX  is reporting this false information to illegally extend the 7 year reporting period, and is trying to keep these on my credit report an additional  two  years which it legally can not do.
Product: Mortgage

Hi, I and my girlfriend did a refinancing with AllyBank a couple of months ago and got approved, signed all paperwork, and moved our mortgage from XXXX XXXX XXXXXXXX to AllyBank. 
Since that, all documents sent by them are only on my girlfriend 's name, and I can't even set up a payment on my name, even if my name appears on the mortgage. 
I've been trying to call them many times, with absolutely no answer, they supposed to call back many times and it never happened. Now we have a mortgage to pay at the end of this month, on my name, and I can't even set-up the first payment. 
At this point, I need external help ... 

Thanks,
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I was trying to buy a house when I pulled my credit report and was shocked to see a fraudulent XXXX XXXX account listed. I dont remember ever opening an account with XXXX XXXX, nor did I give any authorization or consent for it to be reported. As soon as I saw it, I filed a police report and realized I had become a victim of identity theft and on XX/XX/year>, I disputed the account with the credit bureaus. XXXX and XXXX acted quickly and removed the account from my credit report, but Equifax has not, even though I provided the exact same evidence to them. I cant understand why Equifax is still reporting this accountits frustrating and feels like a violation of my rights under the Fair Credit Reporting Act, which requires credit bureaus to ensure the information they report is accurate. By failing to address this properly, Equifax XXXX also be violating laws like 15 USC 1681e ( b ) and 1681n, which hold them responsible for negligent or willful noncompliance. This situation has caused me unnecessary stress and has made it harder for me to move forward with my plans. Im demanding that Equifax immediately remove this fraudulent account from my credit report. If this isnt resolved, I will have no choice but to take further action to protect my rights and hold Equifax accountable.
Product: Debt collection

On XX/XX/2023 I pulled my credit report and see an account from XXXX XXXX my credit. I sent them a certified dispute letter with a return receipt. XXXX responded back to me on XX/XX/2023 letting me know my debt been sold to Credit Corp Solutions . I then sent out a debt validation letter to in fact VALIDATE the debt not verification of the debt via certified mail with a return receipt. Credit Corp Solutions only sent verification documents and failed to send me what I requested. I feel anyone can make up billing statements I need to see my wet signature and contract with me in agreement with this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

First off they are reporting inaccurate information with numerous creditors. When a request form removal of inaccurate information was requested they did not investigate as I have written proof in one example ..USBK DOCKET XXXX XXXX  days we verified the information and found it accurate and its still not accurate so I called TransUnion to ask whom they verified said information with and they told me it was verified by the XXXX CALIFORNIA USBK COURT so I took it upon myself to not only call the court but also write a letter asking the courts why they are reporting inaccurate information about me to all three credit reporting agencys and The clerks response was sir we DO NOT REPORT ANY INFORMATION NOR DO WE VERY ANY INFORMATION IN REGARDS TO ANYONES BANKRUPTCYS and sorry for any inconvenience. So now that I know for a fact that not only is TransUnion lying about actually doing the research that they are continuing to report false/inaccurate information on my file and its harming me and if not corrected immediately I will be suing them as well as any company or organization that is in charge of regulating them!
Product: Student loan

I attended XXXX XXXX in the XXXX XXXX XXXX. When I signed up they told me I had to obtain a private loan to help cover the expenses the federal loan would not cover. I asked how about the grants, they advised the grants do n't always kick in but if they did they would refund the money to the Genesis Lending company. I signed up hesitantly because something did n't sound right. When I completed the program I asked about the accounting on my account because I know I obtain grants but the Genesis loan was never reimbursed and I bought books on my own so I wanted to see the refund on the money I did n't use. I got an excuse of I had to speak with the financial director but of course she was n't available. Unbeknowst to the person working on my account I saw on her screen that my grant was returned instead of my loan. I asked her again for a copy but was told only the director could give me that information. I was unable to receive the information on MY account which I wanted to verify how corrupt they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I filed a complaint through the Equifax dispute center against XXXX/XXXX  regarding a settled account. On XX/XX/21, XXXX/XXXX  verified with Equifax that the information reported is accurate stating the account balance is currently {$3800.00}. This is not correct as payment had been submitted to XXXX XXXX XXXX, working on behalf of XXXX XXXX  on XX/XX/21 to settle the account in full. Additionally, XXXX updated with XXXX  on XX/XX/21 that the account has been paid in settlement. 

XXXX refuses to report accurate information to the 3 credit bureaus and although documentation had been provided to Equifax showing the account had been settled, Equifax validated the inaccurate information reported and verified by XXXX XXXX. 

I have provided documentation of the conflicting dispute updates and the letter submitted by XXXX XXXX  acknowledging receipt of payment and settlement of the account.
Product: Credit reporting or other personal consumer reports

I cant understand why this is happening. When I checked my credit report XXXX XXXX, I found inaccurate accounts listed, and I have no idea where they came from. Ive been diligent in monitoring my report, but today was differentthere were errors that I didnt expect at all. I refreshed my browser multiple times, thinking it might just be a display error, but nothing changed. These inaccuracies remained visible. Im pleading with you to thoroughly review the documents Ive submitted because I desperately want this nightmare to end.
Product: Credit reporting, credit repair services, or other personal consumer reports

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX & XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. I do not recognize how this account is reporting on my credit report. I don't recognize the account number, account status, nor do I recognize the account balance. This account being reported does not meet the FCRA.
Product: Student loan

I have tried several times to refinance my student loans that are currently being serviced by Navient. Despite having a credit score above XXXX, and no late payments on any other debt accounts, except for loans serviced by Navient, I am routinely denied refinancing by banks, other servicers, XXXX, XXXX, etc. I have spoken with the team at XXXX as well, and they advised that I contact Navient directly, and request they remove previous late payment marks as it is over 3+ years old ( or provide in writing that I am no longer delinquent ), due to my current good standing. I have explained the situation on several occasions ( XX/XX/XXXX, and most recently XX/XX/XXXX ), and despite XXXX  saying Navient has the right/ ability to remove these late marks, Navient refuses to do so, fully acknowledging that they have trapped me into paying them, and not being able to refinance. I feel that I am being unfairly treated as well as subjected to indentured servitude by Navient. My loans are currently at an average interest rate of XXXX % ( ranging from XXXX - XXXX  % ). XXXX has told me that the WORST rate I would be offered would be XXXX  %, and most likely closer to XXXX %. This is outright usury and would be illegal in any other short-term lending, or housing loan! I have paid them over XXXX to date on a XXXX principal loan, and currently have a remaining balance of XXXX. I am simply seeking to refinance with a better lender/ creditor/ servicer. As a customer I do not believe this is too much to ask for! XXXX NAVIENT!
Product: Student loan

I am currently enrolled in IBR and have been since XX/XX/XXXX. When I first entered my 12-month program, my 12 months ran from XX/XX/XXXX to XX/XX/XXXX. Last year, I was asked to submit my re-certification a little earlier than usual which I did. The next thing I knew, I received an increased payment that was starting a few weeks later in XX/XX/XXXX. I called Navient because I knew that I should have started my new cycle in XX/XX/XXXX ( really was XX/XX/XXXX). As I went back through my records, I realized that Navient had ended my 12-month IBR cycle a month early in XX/XX/XXXX and XX/XX/XXXX. Therefore, I ended up paying more money earlier than scheduled and Navient did not honor the 12-month IBR program. 

Upon contacting Navient on XX/XX/XXXX, I was basically told that because I filled my forms out early that they were starting from that point. I explained that I filled it out based on the deadline Navient gave me to complete it. Therefore, their explanation did not make sense and why wouldnt that have affected me in previous years. I walked them through the documents I had with my payment cycle and how it was only implemented for 11 months, 2 years in a row, even though IBR is a 12-month program. I tried to speak with a manager and then I asked to be transferred to speak with a customer representative in the United States. That person acknowledged what I was saying and stated that an investigation needed to happen. She also stated that I would need to pay the new payment starting XX/XX/XXXX even though my 12 months were not up to avoid a late payment. So, once again I started paying an increased amount earlier than anticipated. For the record, I never heard from Navient regarding my complaint to reimburse the difference I paid due to my IBR ending earlier than the mandated 12-month period and to acknowledge their error in general. More importantly, I wanted to know why my 12 month cycle went from a XX/XX/XXXX start to an XX/XX/XXXXstart. 

Fast forward to XX/XX/XXXX. Navient just sent me an email stating that it was time for me to renew and in XX/XX/XXXX because they clearly still have me on a whole new payment cycle. I would like some clear explanations. This all feels like fraudulent behavior to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report on below XXXX negative accounts that were included in XXXX public record. However, Im really concerned about your method of investigation because they continue to report several and multiple inaccuracies, misleading and incomplete info, and those items account status were never updated. The accounts shows different dates of last active, different last payments, inconsistencies of payment history, questionable HIGH CREDIT balance, and incorrect payment status. How is it even possible that you conducted a truthful investigation? How come the comments on this account never said that the consumer disputed. Due to these inaccuracies, and misleading information. Therefore, Im demanding that you completely DELETE these accounts below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Free Credit Report : I have for more than five years, requesting a free credit report from this ( Equifax ), as of this writing, they have not provided a report to me. I hope, through your office, the agency can tell you why and what is the reason they have not provided the report for me. This agency have denied every credit inquire made on my behalf.
Product: Money transfer, virtual currency, or money service

Cashapp did not have a customer service representative when I tried to file my complaint it was a robot. I was informing cash app that I had been scammed and to cancel the payments right away as it should allow. The robot informed me that was impossible but from my knowledge it was possible if the money was till pending which mine was. Cashapp then ignore all my emails and request